E.A.S.E. Into Retirement Radio Show

In today’s show we dive into 𝗛𝗼𝘄 𝘁𝗼 𝗣𝗿𝗲𝗽𝗮𝗿𝗲 𝗳𝗼𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗨𝗻𝗱𝗲𝗿 𝘁𝗵𝗲 𝗧𝗿𝘂𝗺𝗽 𝗔𝗱𝗺𝗶𝗻𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻" In this non-political episode, retirement experts Tom Mosley and Kristin Oakley explore the potential changes that could impact your financial future. From tax policy shifts and Social Security adjustments to healthcare reforms and the effect of lower interest rates, we break down how these factors could sha...

Make 2025 the year you revamp your retirement! According to the 2022 Federal Reserve Survey of Consumer Finances, the average retirement savings for people 55-64 is $537,000, with the Median Retirement Savings only being $185,000. For those 65-74 the average is 609,000, with a Median of $200,00. If you hear these stats and feel that you are behind…you’re not alone. The good news is that you can us...

In today’s episode, we’re diving into some of the biggest, most costly surprises that can wreck your retirement. More importantly, Tom & Kristin provide you with practical steps you can take to help you either avoid or minimize the impact of these challenges. As the great John Wooden said, “Failing to prepare is preparing to fail.” Check out today’s show, and secure the tips and motivation you...

Deciding when to file for Social Security is one of the most important financial decisions you’ll make in retirement. In today’s show, retirement experts Tom Mosley and Kristin Oakley provide a comprehensive overview of Social Security filing ages and explain the key differences between maximization and optimization strategies. They break down the Social Security break-even point and what it means...

Today, we’re tackling a very real financial challenge for retirees and soon to be retirees: inflation. You know the feeling—everything is getting more expensive. That nest egg you've worked so hard for seems to shrink as the cost of daily necessities keeps rising. Inflation isn’t just about higher prices; it’s a force that can put serious pressure on retirement income. And in retirement, you might...

After working nearly 30 years in the retirement industry retirement expert Tom Mosley shares his list of the most vital things every person needs to know as they approach retirement. This week, in part 3 of a 3-part series, Tom recaps the first 8 items and dives into the final two: Estate Planning & Taxes. From Social Security changes to tax rate fluctuations, the housing bubble, market downtu...

After working nearly 30 years in the retirement industry retirement expert Tom Mosley shares his list of the most vital things every person needs to know as they approach retirement. This week, he recaps the first 5 and dives into the second half. From Social Security changes to tax rate fluctuations, the housing bubble, market downturns, and even the pandemic, Tom has helped guide clients through...

After working nearly 30 years in the retirement industry retirement expert Tom Mosley has come up with a list of the most vital things every person needs to know as they approach retirement. From Social Security changes to tax rate fluctuations, the housing bubble, market downturns, and even the pandemic, Tom has helped guide clients through the ups and downs of retirement planning. Today, Tom inc...

Today we're diving into a topic that impacts every retiree's financial well-being: The Hidden Tax... Inflation. You might not see it on your tax return, but inflation acts like an invisible force that chips away at your purchasing power, making it essential to include in any retirement plan. In this episode, we'll break down why inflation is known as the hidden tax in retirement and discuss the ph...

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 experts Tom Mosley and Kristin Oakley share the most common RMD mistakes and how people make them. They also provide solid tips on steps you can take to avoid so you can protect your savings from costly errors and unne...

When it comes to retiring there’s a reality many fail to consider, hidden retirement costs! These surprise costs can catch you off guard and potentially derail your financial security. From the rising costs of Long-Term Care, including Medicare premiums and out-of-pocket expenses, to the costs of downsizing, or losing a spouse, retirement isn't always as straightforward or as easy as it seems. In...

When it comes to retiring there’s a reality many overlook: the hidden retirement costs! These surprise costs can catch you off guard and potentially derail your financial security. From the rising costs of healthcare, including Medicare premiums and out-of-pocket expenses, to the taxes on Social Security benefits and retirement accounts that can eat into your income—retirement isn't always as stra...

How do you prepare for retirement when everything is so uncertain? International tensions are rising, taxes and Social Security policies are hanging in the balance, inflation is hitting our wallets, and our national debt has soared to an eye-watering $35 trillion. And if that’s not enough, the market is as volatile as ever. For anyone trying to plan their retirement, it’s a lot to take in. In toda...

As were entering that last part of the year, it's the perfect time to do a financial check-up and make sure you're on track to meet your retirement goals. In today's video, Tom & Kristin walk you through a Financial Check-Up List with eight key steps you can take right now to set yourself up for success before the year ends. They cover everything from maximizing your retirement contributions a...

How do you save for retirement while also trying to pay off lingering debt? It’s a tough dilemma that many pre-retirees and retirees find themselves facing these days. In fact, it’s a balancing act that can feel really overwhelming, especially with market uncertainties, inflation, and rising costs. But here's the truth—both goals are possible with the right strategy. In this video, retirement expe...

In the second half of our two-part series, we dive even deeper into The Biggest Regrets of Retirees! Are you unknowingly setting yourself up for retirement disappointment? Don’t miss out as retirement experts Tom Mosley and Kristin Oakley reveal some of the most common regrets that retirees face, including: •Taking Social Security too early •Ignoring inflation •Overlooking tax implications •Failin...

Are you making the same mistakes that leave retirees saying, "I should have...?" In this episode of Right on the Money, retirement experts Tom Mosley and Kristin Oakley dive into the importance of having a retirement plan and uncover the 4 biggest regrets many retirees face: •Not saving enough money •Not starting early enough •Making poor investment decisions •Underestimating healthcare costs Tom...

Planning for a successful retirement requires more than just saving—it’s about knowing which key accounts to set up and manage throughout your retirement journey. Each account plays a unique role in helping you meet your financial goals, from day one of retirement to your later years. In this episode, retirement experts Tom Mosley and Kristin Oakley walk you through the essential retirement accoun...

In this episode, we take a heartfelt journey into one of the most personal and significant investment decisions you'll make in retirement— your “home”. Whether you’ve always dreamed of owning a cozy cottage, feel the pull of a carefree rental, or want to continue to live in your forever home, we explore the emotional and financial impacts of your choices. We also peel back the layers of what it re...

Are you wondering if now is the right time to retire? In today’s show, retirement experts Tom Mosley and Kristin Oakley explore the key factors that can help you make this life-changing decision. Whether you’re being forced to retire or feel like now is the time to do it, Tom & Kristin share tips on how to evaluate your financial readiness while considering your health, family, and personal go...

Whether you're a GenY, Millennial, GenXer, or Boomer, one of the biggest fears is running out of money in retirement. In this episode, retirement experts Tom Mosley and Kristin Oakley dive deep into the reasons why so many people face this daunting reality. From the average savings per age group to the impact of longer lifespans, we explore the critical factors contributing to financial shortfalls...

Roth IRAs and Roth Conversions play a crucial role in effective retirement planning. In this week’s show, retirement experts Tom Mosley and Kristin Oakley cover the important what, how’s, why’s and when’s of ROTHs. They break down the tax advantages, compare Roth IRAs with Traditional IRAs, and explore why a Roth conversion might be a smart move for securing your financial future. They’ll also tou...

RMDs (Required Minimum Distributions) are an important but often overlooked aspect of retirement planning. They represent the minimum amount you must withdraw annually from your retirement accounts starting at age 73 (as of now). While the concept seems simple, the execution can be complex.  In today's episode, retirement planning experts Tom Mosley and Kristin Oakley continue their in-depth explo...

What is an RMD? An RMD, or Required Minimum Distribution, is the amount you must withdraw from your retirement qualified plan accounts each year after turning 73 (as of now!). While the letters might seem simple, RMDs themselves are anything but! In today’s show, retirement planning experts Tom Mosley and Kristin Oakley dive deep into the complexities of RMDs, answering all the questions you’ve be...

Risk /risk/ (noun): A situation involving exposure to danger. (verb): To expose someone or something valued to danger, harm, or loss. Facing retirement can be intimidating, with a host of risks that can make the future seem uncertain. However, it doesn’t have to be this way. In our special 4-part series, financial experts Tom Mosley and Kristin Oakley examine the key risks that individuals encount...