EASE Into Retirement

What's the difference between leaving money and leaving a legacy? Most people spend a lifetime working hard and building wealth but never take the intentional steps to turn that wealth into something that truly lasts. The result? Assets that create confusion, family conflict, or tax burdens that could have been avoided. In this episode, we explore what it really takes to leave a meaningful financi...

Social Security seems straightforward until you realize how many ways it can go wrong. Claiming at the wrong time, misunderstanding spousal benefits, missing a key deadline, these aren't rare mistakes. They take place every day, and most people never see them coming. Travis Hawley cuts through the complexity and gives you a practical, no-fluff look at the decisions that shape your benefits for lif...

Risk is hiding in all sorts of areas of your retirement. In this episode, we break down what risk really means in retirement, why it matters more than most people realize, and how to approach it strategically. We'll cover when it makes sense to take risks, how to do it wisely, where it hides in places you might not expect, and who can help you make confident, informed decisions. Whether you're sti...

Most people spend years worrying about market crashes, bad investments, and running out of money too soon. But there's a quieter, slower threat that's been eroding your financial future the entire time and most people don't see it coming until it's too late. It's inflation. And if you're 50 or older, it could be one of the biggest risks to the retirement you've been planning for. In this episode,...

Most retirees are blindsided by Required Minimum Distributions, and the taxes they can cause if you're not prepared. In this video, we break down the RMD Tax Domino Effect: how a single mandatory withdrawal can trigger a chain reaction that pushes you into a higher tax bracket, causes more of your Social Security to become taxable, triggers Medicare IRMAA surcharges, and drains your IRA. We walk t...

Most people spend decades building their retirement savings, but almost no one spends time preparing for what retirement actually feels like once they get there. That's why so many retirees find themselves feeling lost, bored, or even regretful just months after leaving work… Not because they ran out of money, but because they never figured out how they wanted to LIVE. In this episode, I walk you...

Market volatility is uncomfortable but it's not the real threat to your retirement. The real threat is how you react to it. In this episode, we break down the 3 biggest mistakes retirees and pre-retirees make when markets get rocky , and more importantly, how to avoid them. You'll also learn how an E.A.S.E. Into Retirement framework can help you stay grounded, strategic, and confident, no matter w...

Before you file for Social Security benefits you need to know these key numbers to make the smartest financial decisions for yourself. Understand why you need to know your FRA, why 40 & 35 are so important and what your earnings limits are when you’re on Social Security. Don’t make a move that will cost you money – make sure you have the proper info and can make the best decisions for yourself...

How do you make a Retirement Budget? In today’s video, retirement expert Tom Mosley dives into the crucial components you need to include & why understanding these elements are key, no matter your financial situation. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Why You Need a Budget in Retirement01:30 3 Crucial Items Need to Put Together a Budget01:50 Element #102:45 Elemen...

𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗲𝘅𝗽𝗲𝗿𝘁 𝗧𝗼𝗺 𝗠𝗼𝘀𝗹𝗲𝘆 𝗲𝘅𝗽𝗹𝗮𝗶𝗻𝘀 𝘁𝗵𝗲 𝟲 𝗮𝗿𝗲𝗮𝘀 𝘁𝗵𝗮𝘁 𝗺𝗮𝗸𝗲 𝘂𝗽 𝗮 𝗰𝗼𝗺𝗽𝗿𝗲𝗵𝗲𝗻𝘀𝗶𝘃𝗲, 𝗵𝗼𝗹𝗶𝘀𝘁𝗶𝗰 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻 & 𝘄𝗵𝘆 𝘆𝗼𝘂 𝗺𝘂𝘀𝘁 𝗶𝗻𝗰𝗹𝘂𝗱𝗲 𝗲𝗮𝗰𝗵 𝗼𝗳 𝘁𝗵𝗲𝗺. You'll learn the difference between retirement investments and a retirement plan, and then be guided through the 6 essential components that you have to address and why. Whether you’re just starting to think about retirement or are nearing that exciting...

Over 70% of adults 65+ will need long-term care at some point—yet most people aren’t prepared for the financial burden. Will you be? In this episode, we dive deep into:✅ What is Long-Term Care? – From in-home care to assisted living and nursing homes✅ How Much Does Long-Term Care Cost? – The surprising price tag of aging✅ Does Medicare Cover Long-Term Care? – What’s covered, what’s not, and com...

Feeling behind on saving for retirement? Take these 5 steps now to revamp your retirement and get your savings back on track! The reality is retirement planning can feel overwhelming, and too often, people put it off until it’s almost too late. But it’s never too late to make a change. Remember, the best time to start was yesterday, and the second-best time is NOW. Check out these 5 proven actiona...

Don’t Leave Your Family in the Dark—Prepare These Vital Documents Today! Imagine your family needing critical information in an emergency—and not knowing where to find it. Whether you’re incapacitated or gone, your loved ones will face major challenges unless you’ve prepared the right documents. In this episode, Tom Mosley—retirement expert and former minister—draws on over 50 years of experience...

If you’re divorced or widowed, there’s a chance you may be eligible for a bigger Social Security benefit – especially if you’re spouse had the higher income. The Social Security Department won’t give advice, so watch this instead & see if it gives you some ideas that you can act on. 🔍 You’ll learn:•What qualifies you for potential increase social security benefits from an ex-spouse.•A strateg...

Are you single and nearing retirement? Then your Social Security strategy could make or break your retirement income. In this episode, we dive into Social Security strategies for single individuals—those who don’t have a spouse to rely on for spousal or survivor benefits. Retirement expert Tom Mosley explains why when you claim Social Security matters even more when you’re flying solo, and how to...

Thinking about tapping into your retirement savings before age 59½? Be careful — early withdrawals from your IRA, 401(k), 403(b), or other retirement accounts usually come with a 10% penalty... but there are exceptions you need to know. In this video, retirement expert Tom Mosley breaks down real-life scenarios where you can access your retirement money early — without paying that extra tax hit. W...

Want to Retire? Are you Ready? Check out Tom’s list of the 10 most crucial things you must know so you can retire! With nearly 30 years in the retirement industry, Tom has a deep understanding of what is vital to creating a successful and happy retirement. Having guided retirees through changing Social Security rules, fluctuating tax rates, economic ups and downs, and unexpected events like the pa...

After 30 years of helping people retire, I’ve seen the key mistakes and missed opportunities people make that prevent them from living the kind of retirement they dream of having. Today, I’m going to share some of these top retirement mistakes that really break my heart. I hope that sharing these will help you learn, act, and not miss the amazing opportunity you have to live the kind of retirement...

𝗜𝘀 𝘁𝗵𝗲 𝗠𝗮𝗿𝗸𝗲𝘁 𝗖𝗵𝗮𝗼𝘀 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗧𝗿𝘂𝗺𝗽 𝗧𝗮𝗿𝗶𝗳𝗳𝘀 𝗽𝘂𝘀𝗵𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 & 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻𝘀 𝗳𝘂𝗿𝘁𝗵𝗲𝗿 𝗼𝘂𝘁 𝗼𝗳 𝗿𝗲𝗮𝗰𝗵? Are you losing sleep and wondering “what now?” In today’s video, retirement expert Tom Mosley breaks down 3 smart strategies to help you respond to the current market volatility and protect your retirement plan. Don’t let fear or market chaos derail your retirement dreams. Watch...

Are you thinking about doing a ROTH conversion while the market’s down? While it may seem like the best time to do a ROTH conversion and make a smart tax move, there are some major pitfalls you HAVE to be aware so you don’t blow up your retirement! In today’s video, Tom breaks down three critical ways a ROTH conversion can go wrong and potentially derail your retirement plans if not handled with c...

𝗔𝗿𝗲 𝘆𝗼𝘂 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝘁𝗼 𝗿𝗲𝘁𝗶𝗿𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝟱 𝘆𝗲𝗮𝗿𝘀? Whether you're aiming for early retirement in your 50s or holding off until your 60s or 70s, there are critical steps you MUST take now to secure the retirement you’ve always dreamed of. 🚀 In this video, retirement expert Tom Mosley reveals 5 essential steps you need to take before making the big transition. From identifying your income sources to r...

Are you approaching retirement and wondering if you should own or rent your home? With rising housing costs and financial uncertainty, making the right decision could impact your retirement lifestyle for decades! In this video, Tom breaks down the real costs of renting vs. buying, explores the financial risks of not owning a home, and discusses why many retirees are moving out of state—whether to...

In this video, Tom breaks down the latest updates on State and Local Tax (SALT) deductions and the potential shake-up that could happen if Congress revisits the Tax Cut & Jobs Act this year. If changes are made, your tax bill—and your deductions—could look very different.👉 Tom explains:•How the current SALT deduction limits impact taxpayers•What could happen if Congress makes a move•And one k...

When it comes to filing for Social Security benefits, there are several key numbers you must know in order to make the smartest financial decisions for yourself. Understand why you need to know your FRA, why 40 & 35 are so important and what your earnings limits are when you’re on Social Security. Don’t make a move that will cost you money – make sure you have the proper info and can make the...

When planning for retirement, many people focus on portfolio risk and risk tolerance, but the most important—and often overlooked—factor is risk capacity.💡 What is risk capacity? It’s your actual ability to take financial risks in retirement. In today’s video we discuss how looking at these 4 factors can help you determine the level of risk you can afford to take:✔️ Time ✔️ Income ✔️ Portfolio Si...