Retirement Talk with Kevin Bock

Transamerica has agreed to a $5 million court settlement for not giving its employees enough investment choices in their retirement plan.  Isn’t that one of the benefits of doing a rollover – because it gives you more options for what to do with your retirement assets?   When it comes to our finances, we could all benefit from a little guidance … but a new survey finds that 40% of Americans are ju...

Football is back and there’s an old saying, “Offense wins games, but defense wins championships.”  Best-selling financial author Patrick Kelly says the same can be true for your retirement strategy. But how do we keep from “giving up points” when it comes to our nest egg? Warren Buffett has a riddle that he likes to pose to investors:  'If you call a dog's tail a leg, then how many legs does it ha...

RMDs – or required minimum distributions – are back for 2021.  Best-selling retirement author Patrick Kelly says many retirees are surprised to learn that they’ll have to withdraw this money from their accounts, whether they want to or not! For those who don’t need that money right now, what are some “tax friendly” options for what they might want to do with it when they take those RMDs? See omnys...

September is Life Insurance Awareness Month! Hear Kevin explain how you can use life insurance as a tax strategy!  Then, it’s been well over a year now since the markets tanked in early 2020 and stocks have been on a roll ever since. Is there a correction coming? Should we prepare for another 2008?  Hear Kevin explain how his tools, strategies and 6 pillar's of a successful retirement can help you...

Believe it or not, 94% of the people in a recent survey say it’s our civic duty – as Americans – to pay our fair share of taxes.  So, I guess the bigger question is – what constitutes “fair share”? Kevin talks a little about your philosophy regarding the use of tax strategies?, It’s a word we hear in the news just about every day, lately – “inflation.”  But is that just some vague concept for econ...

Kiplinger warns that those of us approaching retirement are facing a “perfect storm”:  Low interest rates and high inflation … the combination of which will force us to take on more market risk than we’re comfortable taking.  How do we navigate that perfect storm? The most common retirement fear is running out of money.  So, the Go-Banking-Rates website came up with a list of some of the causes of...

Kevin talks about article he found about "The Different Types of Personalities out there when if come to Financial Matters." Which type are you? Hear Kevin explain how your personality can impact your finances and your financial decisions!       See omnystudio.com/listener for privacy information.

We know that President Biden wants to nearly double the capital gains tax rate for anyone who makes a million dollars or more.  Well now, as CNBC’s Robert Frank tells us, the president wants to start collecting that money before you have a chance to do anything to protect it! Assuming that this passes, does that mean we’d be out of luck in terms of tax planning ? Hear how Kevin can help you prepar...

Market Watch had an interesting take on tax planning:  They said you shouldn’t change your financial behavior just to avoid taxes.  A good tax planning strategy is one that allows you to keep doing what you want to do … while reducing your tax liabilities, in the process.  Hear Kevin's approach to dealing with the tax issue as we plan for retirement! Then, Fidelity says it’s baby boomers who are t...

A report by the Employee Benefit Research Institute (EBRI) found that roughly 10% of baby boomers in the highest income group will run short of money!  And the percentage is even greater for those in the more modest income groups.  Kevin explains how he helps his clients NOT run out of money in retirement.     See omnystudio.com/listener for privacy information.

President Biden is pushing yet another round of tax hikes … including one that would push the top capital gains rate to as high as 43%.  How will this impact you and your financial future?  We have some breaking news, courtesy of the financial geniuses at Market Watch :  They’re reporting that … quote, “ Most people have no clue what they pay for their 401(k) .”  Kevin has been telling us for a lo...

Kevin's job is to help people not run out of money during retirement.  But NerdWallet says there are some retirees who worry about money too much – almost to the point of depriving themselves.  Kevin explains his process to lifetime income you can't outlive and helping clients find that “sweet spot” between feeling financially secure, and still being able to enjoy a happy, fulfilling, retirement! ...

What should you do with that old 401K? Are there better options that can compound your money faster and have minimal taxes and fee's? Plus, Kevin explains why his process is different than other financial advisors!  See omnystudio.com/listener for privacy information.

Kevin talks about the 4 phases of retirement, and how he can help you replace that paycheck!  See omnystudio.com/listener for privacy information.

True or false: Chocolate milk comes from brown cows .  Even if you’ve never set foot on a farm, you should know that’s false … but it’s a myth that 16-million Americans believe !  So, you can imagine the kinds of myths people believe about retirement .  For example – Fidelity found that more than a third of American couples believe $100,000 will be enough to cover their healthcare costs throughout...

Now that the $1.9 trillion stimulus plan is a done deal, there are rumblings that the Biden administration’s next move will be a big tax increase.  IRA expert Ed Slott says that we control our tax rate - is this possible?     See omnystudio.com/listener for privacy information.

Tax changes are on the way, what does that mean for you? Is there anything we can do right now to better position ourselves for what I think most of us assume will be higher taxes in one form or another? Kevin discusses President Biden's potential tax changes/hikes and how inheritance tax may possibly be impacted as well. Hear how Kevin can help you prepare and protect your finances from Uncle Sam...

At least one Wall Street forecaster is warning that 2021 could bring a return of rising inflation rates.  So, what does that actually mean for us ?  Is it something we should be accounting for in our retirement planning? Kevin explains how he can make your portfolio inflation proof!    See omnystudio.com/listener for privacy information.

What potential tax changes does President  Biden have up his sleeve and how will it impact you? Your money? Your financial future? Kevin discusses!    See omnystudio.com/listener for privacy information.

Forbes talks about something they called a “Rich Person’s Roth.”  Turns out, it wasn’t a Roth at all – it was a way of using life insurance to help fund retirement.  Kevin discusses how this could be a tool you could use to build your retirement income. Then, whats the difference between a“financial advisors” and “retirement financial advisors” ?      See omnystudio.com/listener for privacy inform...

A new year brings the threat of new problems – created by Congress.  Morningstar asked IRA expert Ed Slott says we need to be worried about a tax increase.  Hear Kevin discuss tools and strategies to protect your retirement accounts from potential tax increases, inflation and more.     See omnystudio.com/listener for privacy information.

Weather we like it or not, taxes and fees are a part of nearly every financial transaction. Take a look at your last cell phone bill, do you see the list of fee’s and random taxes that you are paying? How can we protect ourselves against this trap? Oh, and what’s that “A” word everyone talks about in retirement planning and how can it help YOU? Kevin explains in this week’s episode!  See omnystudi...

When you meet with Kevin , he'll walk you through the planning process he has been using for 30+ years - the pillar planning process and show you how he can make your retirement plan strong, stress free and everything you want it to be!  INCOME PLANNING PLANNING TAX PLANNING HEALTHCARE PLANNING LEGACY PLANNING LEGAL PLANNING Call Kevin today, schedule a complimentary portfolio review, and let Kevi...

When it comes to your retirement, you literally can’t afford to make mistakes. Some common mistakes include relying solely on social security to support you in retirement, not signing up for Medicare on time and failing to take RMD’s on time to name a few. In today’s podcast, we discuss 7 mistakes that you can avoid that could cost you big time!   See omnystudio.com/listener for privacy informatio...

A story on Fox Business had an interesting take on estate planning.  It said your legacy isn’t just the money and assets you leave behind – it should also be an effort to leave your family “intact as allies , instead of adversaries .”  Kevin explains how his 6 pillar planning process and how it can help create a full blown customized plan to prepare your income plan, tax plan, healthcare plan and...