Charleston's Retirement Coach

Brandon covers the potential threats to Social Security and the need to plan for a reduction in income streams in retirement. He highlights the possible cuts that could occur by 2035 on Social Security income. Brandon also explores the various scenarios that could lead to reduction in retirement income, such as the absence of a survivor benefit in a pension plan or the less of one spouse’s Social...

Brandon explores the importance of legacy planning and financial preparation for the future, inspired by the passing of basketball legend Bill Walton. He delves into the significance of communicating and documenting wishes, the role of trust in estate planning, and the impact of financial decisions on family dynamics. Brandon emphasizes the need for a comprehensive legacy plan to ensure that wishe...

Brandon discusses how fees can impact your retirement savings and the importance of creating a custom-tailored financial plan to potentially limit fees. Like what you hear? Get a second opinion today 👉 https://bit.ly/3WoNJZT Also on Facebook and YouTube . See omnystudio.com/listener for privacy information.

The markets have recently hit new all-time highs, causing some concern about a potential crash. Brandon discusses the importance of having a long-term financial plan, especially those that have less than $1 million saved for retirement. Like what you hear? Get a second opinion today 👉 https://bit.ly/3WoNJZT Also on Facebook and YouTube . See omnystudio.com/listener for privacy information.

Effective tax planning is important when it comes to retirement. Brandon highlights the potential changes in tax brackets and rates under the Biden administration, and explains the opportunities Roth conversions can provide when aiming to maximize savings and income in retirement. Like what you hear? Get a second opinion today 👉 https://bit.ly/3WoNJZT Also on Facebook and YouTube . See omnystudio...

In this episode, Brandon discusses the potential risks and challenges in the current economic climate. He emphasizes the importance of being aware of the possibility of a market crash and the need to minimize tax implications. Brandon highlights diversification as a key strategy, with a focus on developing a comprehensive financial plan that aligns with individual goals and objectives in retiremen...

Social Security has 678 ways to file and over 2,000 rules to consider. This can cause confusion and many challenges when you begin planning for your retirement. In this episode, Brandon shares three lesser-known rules about Social Security filing and why it’s important to understand these rules to maximize benefits. Also, Brandon explains why income plans need to be personalized in retirement and...

Annuities often have a bad reputation due to fees, generating a low stream of income, and locking up principal. However, higher interest rates have made annuities something to consider when building out an income plan for retirement. In this episode, Brandon breaks down the concerns people have with annuities and why they can be a valuable and beneficial tool to generate income in retirement. Read...

Nick Saban’s wife Terry wrote to her husband “The 10 Commandments of Retirement” now that the legendary coach has called it a career. While the full list is still private, Ms. Terry did reveal some of things that Coach Saban has to abide by. In this episode, Brandon shares what his commandments in retirement are and what he advises retirees to do to live their best retirement life. Ready to plan f...

Retirement can be a source of fear and uncertainty for many people. Retirees may face an identity crisis after walking away from work and struggle to find a purpose in their retirement years. In this episode, Brandon discusses how aiming to define your dream retirement may lead to a mindset change of achieving financial independence and what that looks like for retirees. Ready to plan for the reti...

Country Music star Cody Johnson recently shared with us how the “rush” and nervousness he experiences when going on stage helped him find his purpose. Nerves may often hinder us from taking the right steps to finding purpose during our retirement years, which could be costly. On this episode, Brandon shares how being nervous about running out of money may ultimately prevent you from living out the...

The top 20 airlines racked up $33 Billion in baggage fees last year. How much in fees came out of your portfolio last year? While paying fees in retirement is necessary, you don’t have to pay as much as you think. On this episode, Brandon explains what types of investments could be hindering the growth of your retirement plan and suggests alternative options to minimize your plan’s expenses. Ready...

Hear a young woman’s reaction to taxes being deducted from her first paycheck at her first full-time job. Don’t be like Emmie Jackson and get caught off guard by the amount of taxes coming out of your first retirement paycheck. On this episode, Brandon discusses the many tax strategies that people in or near retirement need to utilize to make the most of their retirement plan. Hear about the impor...

A new survey found the average person has 26 items of clothing that never get worn. 65% of people admit to having clothes with tags still on them! We all have a closet that could use some cleaning out, but it likely won’t have much effect on your future. But what about your “financial closet?” On this episode, Brandon speaks of the common to out-of-date findings he sees when running a portfolio X-...

One checklist of what to do 5 years before retirement sums it up by saying, “Know what’s coming in, know what’s going out, and have a plan for taxes and healthcare.” It seems simple enough, but what could you be missing? Charleston’s Retirement Coach, Brandon Bowen, digs deeper to sort through the “easy items” and “tough stuff” you need to address within your own plan. Learn ways to identify and o...

On this episode Charleston’s Retirement Coach, Brandon Bowen, tackles the growing fear of rising taxes and how it could impact your retirement. Learn why traditional savings like 401Ks might suffer from future tax hikes, discover how proactive planning across different tax accounts could reduce your tax burden, and hear ways to identify whether your advisor is costing you money while missing growt...

“Moving on” has been a theme among some big names in sports, including Alabama football coach Nick Saban. We hear from Coach Saban and what made him realize it was time to move on to retirement, to the surprise of many Tide fans. Brandon parallels the idea to the surprise for someone who finds out their advisor is moving on or retiring themselves. He shares the challenges that can come like being...

If you made a New Year’s resolution, there’s a good chance you’ve abandoned it by now… about 43% of us do by the end of January! The main reason is that we’re not being held accountable by anyone to keep it. In this episode, Charleston’s Retirement Coach Brandon Bowen talks about the ways he helps keep his clients accountable to their financial goals. Brandon shares how having a disciplined approa...

In this episode, Brandon Bowen discusses crucial strategies to help you better prepare for your financial future and navigate the challenges of retirement.   Join as he discusses the TIAA (Teachers Insurance and Annuity Association of America) controversy, emphasizing the importance of a fee analysis to reveal hidden costs and enable you to make more informed decisions about your financial future....

Join Charleston’s Retirement Coach Brandon Bowen as he explains the art of creating a retirement plan that's both disciplined and  dream filled.   Brandon shares how he prioritizes  honest  conversations with his clients so that he can understand their personal aspirations and better customize their individual financial plans.   From market crashes to unexpected windfalls, Brandon showcases how a...

Join Brandon as he discusses crucial strategies to prepare for your financial future, especially in the face of rising inflation. From unexpected expenses to the impact of inflation on daily costs, he breaks down the complexities of retirement planning, especially for couples entering this next phase.   Discover why inflation is a critical factor to consider and how it can sneak up on your retirem...

In this episode, we delve into the concept and challenges associated with retiring early—a dream harbored by many.   Brandon shares his observations on clients who, despite having saved substantial amounts, hesitate to take the leap into retirement and not just because they fear running out of money… Digging into the psyche of retirees, he unveils the mental barriers that hold people back like the...

In this episode, Brandon shares a recent exchange with a car mechanic, showcasing the dealership's commitment to transparency and customer safety. He uses the experience to point out the similarities between auto repair language and the complexities of financial advice, highlighting the fear and intimidation people often feel in both scenarios.   Much like the car owner's fear of deceptive mechani...

Just as a Thanksgiving feast brings joy and fulfillment, your retirement should also be a time of happiness and abundance!   On this episode, Brandon draws the parallels between preparing a holiday feast and crafting a successful retirement income plan. Gather around as we discuss the “entrée” and “sides” for your financial future.   Just like a well-balanced meal, your retirement income plan shou...

A tiny Georgia restaurant is in the news over the fee they’re charging customers who bring in unruly children. The story sparks a conversation about the fees you pay on your retirement savings… whether or not you know it.   Many investors have minimal understanding of the fees associated with their portfolios. Brandon highlights  three common areas where fees hide  and explains the hefty toll thes...