America's Retirement Headquarters

The main purpose of life insurance (benefits paid out to a beneficiary upon your passing) are pretty well known, but there's actually other ways to utilize it, and this week Chaz and Scott discuss those uses.  Also: who's a better investor- men or women? Learn more about the team, and schedule a time to speak with them at https://americasretirementheadquarters.com/   See omnystudio.com/listener fo...

Should you find yourself re-entering the workforce after retirement, we hope it's something you want to do rather than are forced to do.  But did you know there are financial pitfalls you could encounter by re-entering the workforce?  Scott and Chaz break it down on this week's show. Start your own Retirement Roadmap at https://americasretirementheadquarters.com/ See omnystudio.com/listener for pr...

Every week it seems that there's a new tax bill being proposed in Washington, just to see what eventually sticks.  So how do you plan for the new rules that are coming when we don't know what those rules will be?  Chaz and Scott discuss strategies that can help you prepare for whatever taxes may get approved in the future.   Schedule a time to have your tax map run at https://americasretirementhea...

An NYU study found that most people consider themselves to be "above average" drivers... but that's not how averages work.  And it's safe to say many people have similar (possibly incorrect) feelings about their retirement plans.  This week, Nolan and Scott talk about things to consider as you develop your retirement strategy to help you stay above the curve. Find out more about the team, and sche...

Generating income in retirement is important, but even more so if you choose to retire early and can't rely on social security to help out.  This week, Scott and Chaz talk about a special rule that allows you to take withdrawals from your retirement accounts early, and without penalty, and the stipulations that come with it.  Also: how to know you've chosen the right advisor, and they talk about l...

President Biden has recently admitted that he wants his big capital gains tax to be  retroactive to this past April.  This is, of course, still just a proposal and not the law of the land- but this week, Nolan and Scott discuss what should be done if it doesn't pass and, more importantly, what can be done  if it does. Put together your tax road map at https://americasretirementheadquarters.com/ Se...

You probably already know, and may even share the feeling, that the #1 fear among retirees is running out of money.  But is it justified?  Nolan and Scott discuss the truth behind this fear, and ways to hopefully help put your mind more at ease as you enter into the next chapter of your life. Learn more about the Independent Income System at https://americasretirementheadquarters.com/ See omnystud...

Nolan and Scott discuss how to prepare for an early retirement, whether it's something you plan on doing, or something that's is decided for you.  Topics include: buyout offers, a proper withdrawal strategy, and the importance of having an actual written plan. Start putting your plan together by visiting https://americasretirementheadquarters.com/ See omnystudio.com/listener for privacy informatio...

We all know that inflation is inevitable, and will decrease the buying power of our dollar over time.  But we may be looking at a black swan event that could cause a significant inflation increase in the near future.  This week, Nolan and Scott discuss what that could mean for retirement investments, and what can be done about it. Start developing your plan today at https://americasretirementheadq...

Okay, this week's title is a little tongue in cheek, but we recently found that all the programs the current administration is proposing will cost roughly $700 billion more than projected.  And that money is almost certainly going to come from higher taxes.  Nolan and Scott Osborn talk about the importance of tax planning now before those increases come on this week's episode. Schedule a time for...

A recent survey found that the average fee in a workplace retirement plan is around one percent.  Which doesn't sound like much, but over the course of a career it can add up to more that $138,000! This week, Scott and Chaz Price take a deep dive into fees, and discuss ways to minimize the amount that you're paying. Schedule a fee analysis with the team at https://americasretirementheadquarters.co...

Money Magazine says "Between the ages 59 1/2 and 72 is the only time in your life where there are absolutely zero rules with IRAs."  Zero rules might be a stretch, but this week, Scott Kerschner and Scott Osborn talk about the moves you can make to take advantage of that. Find out more about the team at https://americasretirementheadquarters.com/ See omnystudio.com/listener for privacy information...

We live in a world of unlimited choices.  From Amazon to Netflix, we can basically have  whatever we want  whenever we want it.  And that's good... right?  Not always. This week, Nolan and Scott discuss how having too many options in a retirement plan can overwhelm us to the point of making no decision... Which is often the worst decision. Make a right decision, and schedule an appointment at http...

The country just recently (4/17) celebrated "Tax Freedom Day," the day where Americans collectively earned enough to pay for all federal, state, and local taxes we'll owe for the year. On this week's sow, Nolan and Scott discuss strategies that can help lower your tax obligations in the future, so that your personal "Tax Freedom Day" can hopefully happen earlier each year in retirement. Start deve...

During your working years, the emphasis is on accumulating wealth to help fund your retirement.  But as you approach and enter retirement, having a good tax strategy is just as important, if not more so, than your investment strategy.  This week, Chaz Price and Scott discuss tax planning, as well as sifting through the hundreds of different ways you can claim your Social Security benefits.   Learn...

There's a lot to consider when it comes to Medicare: when and how to sign up, how to fill in the gaps, and what the different letters (Parts A-D) do and cover.  This week, Scott breaks it all down. Schedule a time to discuss your Medicare options at https://americasretirementheadquarters.com/medicare/ See omnystudio.com/listener for privacy information.

It's not a lighthearted topic to discuss, but here's the truth: some form of long term care assistance is something over half of us will encounter during our lives.  And if you don't account for it, it can devastate the nest egg you (and your spouse) have put together. This week, Nolan and Bill Hurley discuss options for paying for long term care beyond an insurance policy. Discuss your long term...

A cyber-attack is performed every 39 seconds, and the damage related to it is projected to hit $6 trillion annually this year.  On this episode, Nolan and Scott take the time to tell you what to be on the lookout for, and to make yourself less susceptible to cyber attacks. Learn more at https://americasretirementheadquarters.com/ See omnystudio.com/listener for privacy information.

In a recent letter to his shareholders, Warren Buffet spoke of a "bleak future" for retirees due to low interest rates in bonds.  This week, Nolan and Scott discuss why that may be, and alternatives to help prevent that future. Start the discussion about  your financial future at https://americasretirementheadquarters.com/ See omnystudio.com/listener for privacy information.

Right around a year ago at this time, we were in the early stages of a market crash.  The market quickly recovered, and we're now close to all time highs, but Nolan and Scott discuss the steps you can take  now to help A: preserve what you already have and B: use the next market downturn as a growth opportunity. Start developing your plan now at https://americasretirementheadquarters.com/ See omny...

More and more people over the age of 65 are continuing to work, and they're presented with the option of staying on their employer's insurance plan or beginning Medicare.  Scott weighs in on  what you need to consider before making that decision. Reach out to Scott and figure out what's best for you at https://americasmedicareassociates.com/ See omnystudio.com/listener for privacy information.

The amount you'll have to pay for Medicare each month depends on which income bracket you're in during retirement.  And going just  one penny into the next bracket could translate into hundreds of dollars in additional premiums.  Nolan and Scott discuss those brackets, and ways to avoid going over those thresholds without affecting the income you'll have in retirement. Develop a plan that takes in...

Honesty is the best policy, especially in marriage, but sometimes there are financial secrets in a relationship: a secret credit card or account, outstanding debt...  Scott and Chaz Price discuss how catastrophic those secrets can be to building a successful retirement plan, and how to have that tricky conversation with your partner if you've been keeping a financial secret. Start getting your fin...

There are myths about retirement that could wreak havoc on your plan if you believe them.  This week, Nolan and Scott discuss the top three missteps according to The Motley Fool, and how to avoid falling for them. Take a step in the right direction at https://americasretirementheadquarters.com/ See omnystudio.com/listener for privacy information.

An average day in the life of a retiree is going to look a little different than the average day of someone still in the workforce.  In the same way, financially planning for those days is going to look significantly different as well. On this episode, Nolan and Scott discuss why retirement financial planning is so different from normal financial planning, and what to look for when choosing those...