Coasting In Retirement with Josh Null

Michelle and Josh are here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast. Takeaways We work with investors of all sizes – should you describe an investment asset level? If so look at your ADV, I think it's $100k but be sure to say that you work with all sizes and you bet on the person, not the account balance...

Josh is here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast with Jay Stubbs. Takeaways Jay has the esteemed credentials of CLU, which stands for Chartered Life Underwriter, meaning that Jay has high level training in life insurance and how that ties into estate planning In the past when the estate planning exe...

Josh is here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast with JD Gardner. Takeaways When someone refers to value stocks, technically they are referring to companies that have a share price below what their fundamentals say it should be There are differences in tradability, tax efficiency and transparency be...

Josh is here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast with Will Steih. Takeaways Along with financial advice, the show discusses lifestyle topics like travel, leisure activities, health and wellness, and overall well-being in retirement. Diversifying investments, minimizing taxes, managing cash flow, and...

Michelle and Josh are here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast. Takeaways: May Day park area, you can paddle board or kayak a lot of the creeks that feed Mobile Bay 11 Reasons You'll Fall in Love with Fairhope, Alabama Foley Beach Express Bridge tolls are set to end at noon on May 23 rd

Josh is here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast with more exciting news and Providence Partners! Coasting in Retirement in the running for the Lagniappe Nappies best radio show  Long term care can protect your savings and lend you peace of mind for loved ones 65 year old couple if  waiting 10 years...

Josh is here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast, but in this episode some exciting news! Rerun Takeaways: Expanding the Gulf Coast Financial Advisors team T-bills and Treasuries are at or below their rates from a month ago, and its appears the bashed-in bond market is finally recovering, or at leas...

Michelle and Josh are here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast. Takeaways: An index mutual fund provides broad market exposure, low operating expenses, and low portfolio turnover The costs of fund management should be reflected in the fund's expense ratio that market returns that everyday investors...

Michelle and Josh are here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast. Takeaways: QLAC stands for Qualified Longevity Annuity Contract, and what it does is allow retirees to take either no more than 25% or $200k of their qualified plan assets and invest it into a deferred income annuity The average rate of...

Michelle and Josh are here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast. Most financial planners shoot for a 4-5% withdrawal rate, but many would argue for even a 3% rate to be safe Studies show where retirees tend to spend the most money in the first part of their retirement, then eventually reduce spending...

Today your host Josh and co-host Michelle talk about what you should do with your 401k when you retire. Takeaways:  One sign you have a bad 401k plan is high fees, or costs If your 401k plan sends you a check for a rollover, you have up to 60 days to deposit it into an IRA or you'll owe income taxers, – if you're rolling over a pre-tax 401k, it has to go into a pre-tax traditional IRA If you do a...

Today your host Josh and co-host Michelle discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast.  Takeaways: Stocks – that is Alphabet, Amazon, Apple, Meta, Microsoft, Nvidia and Tesla – ended the year up 74%, versus 12% for the rest of world's companies Consumers bought $9.7 billion of Single Premium Immediate Annuities, or...

Today your host Josh and co-host Michelle talk about stock market rally, the Fed finally taking it's foot off of interest rate increases and more. Takeaways: T-bills and Treasuries are at or below their rates from a month ago, and its appears the bashed-in bond market is finally recovering, or at least, we're aren't hearing about an inverted yield curve at the moment When it comes to your retireme...

Today your host Josh and co-host Michelle are going to talk about the different choices that investors are faced with as we wind down 2023. The worst-performing sectors during rising rate environments are autos (-1.3% annually), durables (0.1% annually), retail (2.8% annually) and apparel (2.8% annually) The ETF that tracks the value of the 20-year Treasury bond has lost 50% of its value since 202...

Today your host Josh and co-host Michelle discuss interest rates and bond yields, and these things relate to the stock market and the overall economy...and the big question of the day, are we headed for a recession?  Takeaways Apple, Microsoft, Alphabet (which is Google), Amazon, Nvdia, Meta (which is Facebook) and Tesla – have carried most of the water for the overall stock market averages for 20...

Today your host Josh and co-host Michelle discuss what is happening in the bond market and it's broader impact on the likelihood of a recession. Takeaways The bond yield curve has inverted, which is a leading indicator of a coming recession Yield is a measure of interest that takes into account a bond's fluctuating value Historically, bond money is often referred to as "smart money" when compared...

Today your host Josh Null and co-host Jay Stubbs things you need to know about long term care. Independent or assisted living facilities often have waiting lists that are months or years long Your age is one of the most significant factors to consider when deciding on the timing of a long-term care insurance purchase Cashing out an asset-based long-term care plan may trigger a surrender charge. Th...

Today your host Josh and co-host Michelle discuss, should you be managing your own money & the Value of having a financial advisor. Takeaways Fidelity recently advertised low-cost index funds at just 15 bips having huge losses in your portfolio can and will have a huge impact on your retirement dreams Risk of someone investing for you vs where you are ignoring the VALUE of having an experienced fi...

Today your host Josh and co-host Michelle discuss the IRS Rule 72(t).   Takeaways There are 3 IRS life expectancy tables: uniform lifetime, single life and joint & last survivor There are 3 basic SEPP distribution methods: Required Minimum Distribution, Fixed Amortization and finally, Fixed Annuitization If you modify your SEPP by taking an annual amount that is different from the annual amount th...

Today your host Josh and co-host Michelle discuss a concept that gets pushed pretty hard by my industry: the Roth conversion, often somewhat incorrectly referred to as a "back-door" Roth, it's kissing cousin. Takeaways Because the taxes have already been paid on a Roth IRA contribution, the account value grows tax free, and there are no additional income tax due when you start withdrawing A back-d...

Today your host Josh and co-host Michelle are going to talk about what we do at Gulf Coast Financial Advisors and what that entails for the clients. A focused portfolio that strives for a conservative and growing income stream meant to outpace inflation to help you with the income you need and leave a lasting legacy to your heirs or charities of your choice There is a lot to plan for in a sound fi...

Today your host Josh and co-host Michelle are going to be talking all about interest rates. Takeaways: Money Market funds – this is a type of mutual fund that invests in highly liquid, near-term instruments. These instruments include cash, cash equivalent securities, and high-credit-rating, debt-based securities with a short-term maturity (think U.S. Treasuries) Bank Certificate of Deposits, or CD...

Today your host Josh and co-host Michelle discuss 5 steps on how to NOT to screw up passing your wealth to your heirs, with obviously some of the discussion centered around having a will. Takeaways: In 2026, the current state exemption of $12.92 million per person that was part of the 2017 Tax Cuts and Jobs Act is set to expire. The future amount is projected to be reduced by roughly half to about...

Today your host Josh and co-host Michelle discuss 5 things that retirees should simply ignore in retirement. Takeaways: Debt ceiling has been increased 78 times since 1960 Wharton School did a 15 year study on the stock picks of TV personality Jim Cramer and found that not only did he not beat the stock market, he didn't even keep up with the S&P 500 index  

Today your host Josh and co-host Michelle discuss the pressure facing Real Estate Investment Trusts, commonly known as REITs, particularly those in the commercial office space, PARTICULARY those that are not publicly traded.           Sequence of Return Risk and timing of withdrawal risk. We're going to lump in market volatility to this, because over the past few years we've had historically level...