EASE Into Retirement

One often-overlooked aspect of retirement planning is the impact taxes can have on your retirement years. Contrary to popular belief, retirement doesn't mean escaping taxes; it means understanding and strategically managing them. The first step is to understand the different areas where you can be taxed. Join Tom in this eye-opening session as he sheds light on the impact of Employment, Social Sec...

If you’re reading this, chances are you’re contemplating retiring in 5 years! Whether you’re planning on retiring early in your 50’s, or you want to hold off until your 60’s & 70’s, there are several crucial steps you must take NOW so you’re prepared to make the move and shape your retirement experience into the one you dream of. Today, Tom covers the 5 most crucial steps you need to take now...

Are you 55 or nearing 55 with a million dollars saved and wondering if you can retire NOW? It’s a question that gets asked often. In today’s show, Tom addresses the 4 biggest issues that you must consider when deciding whether you’re prepared to make the jump. He covers why it might make sense, the gaps you must consider, and the long term financial issues you may encounter. Jump to a segment usin...

😱 Today we uncover one of retirement's biggest surprises: Sky-high TAXES on your hard-earned savings! Think of it as the knockout "punch" that can leave you and your savings reeling.   💡 The Good News? There are some key strategies you can implement that will help you minimize your tax-burden and maximize your savings. 🧐Let’s Decode Your Tax Landscape: The first crucial step? Understand which b...

Have you ever wondered why some people sail through retirement while others hit stormy seas? Today we’re going to uncover three colossal mistakes many make as they head into retirement. We’ll also share some steps you can take NOW to correct your course and help ensure a smooth and thriving retirement.   Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇  TIMESTAMPS 00:00 Intro to the 3 biggest mist...

Unless you’ve been hiding under a rock the last few years you probably struggle to make it through the day without hearing the buzzword, “𝙞𝙣𝙛𝙡𝙖𝙩𝙞𝙤𝙣”. While there are different kinds of inflation, they all lower the value of your hard-earned assets. Through the use of Social Security and increasing streams of income, we’re able to grant our clients peace of mind in knowing they 𝘄𝗼𝗻’𝘁 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗺𝗮𝗸𝗲 𝘀...

Even though everyone can’t wait until they retire, nearly every retiree has some apprehension or fear before they make the leap.  This is completely natural as this is new to you and we’re wired to be 𝗹𝗲𝗲𝗿𝘆 𝗼𝗳 𝘁𝗵𝗲 𝘂𝗻𝗸𝗻𝗼𝘄𝗻. If you need assistance in gaining some confidence to 𝗼𝘃𝗲𝗿𝗽𝗼𝘄𝗲𝗿 𝘁𝗵𝗲𝘀𝗲 𝗳𝗲𝗮𝗿𝘀, the team at Mosley Wealth Management would love to help!  DISCLOSURE:  Investment advisory services o...

Social Security has been the 𝗯𝗮𝗰𝗸𝗯𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗔𝗺𝗲𝗿𝗶𝗰𝗮𝗻 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 since its introduction in 1935.   But a lot has changed in our everyday lives since that era, so 𝘁𝗵𝗲 𝗽𝗿𝗼𝗴𝗿𝗮𝗺 𝗻𝗲𝗲𝗱𝘀 𝗰𝗼𝗻𝘀𝘁𝗮𝗻𝘁 𝗮𝗱𝗷𝘂𝘀𝘁𝗺𝗲𝗻𝘁𝘀. For example, Social Security was designed as a way to supplement retirement income for individuals aged 62 and higher.  DISCLOSURE: Investment advisory services offered by duly registered individual...

The number one fear for both soon-to-be and current retirees alike is 𝗿𝘂𝗻𝗻𝗶𝗻𝗴 𝗼𝘂𝘁 𝗼𝗳 𝗺𝗼𝗻𝗲𝘆 in retirement. So how do you combat these concerns and produce 𝗴𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗹𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗶𝗻𝗰𝗼𝗺𝗲 for the rest of your days? Watch the video to find out! DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financ...

You’d have to conduct a pretty lengthy and thorough search to find a financial professional or anyone in the know who thinks taxes will not be 𝗵𝗲𝗮𝗱𝗲𝗱 𝘂𝗽𝘄𝗮𝗿𝗱𝘀 in the future. Then, the question is less will they be higher, and more of what you’re able to do to make 𝘆𝗼𝘂𝗿 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼 𝗮𝘀 𝘁𝗮𝘅-𝗲𝗳𝗳𝗶𝗰𝗶𝗲𝗻𝘁 𝗮𝘀 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲 in order to keep more of your hard-earned money in your pocket! DISCLOSURE: Investment advis...

If you’ve already transitioned into retirement, you’re probably aware of what a headache finding the 𝗽𝗿𝗼𝗽𝗲𝗿 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗽𝗹𝗮𝗻 for you and your spouse can be. For those planning their retirements, 𝘄𝗲𝗹𝗰𝗼𝗺𝗲 𝘁𝗼 𝘁𝗵𝗲 𝗽𝗮𝗿𝘁𝘆! DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affili...

It definitely is an uncomfortable thought, but the reality is that in virtually every single retired couple, one will have to traverse through a period of their golden years 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝘁𝗵𝗲𝗶𝗿 𝗽𝗮𝗿𝘁𝗻𝗲𝗿. For these 𝘀𝘂𝗿𝘃𝗶𝘃𝗶𝗻𝗴 𝘀𝗽𝗼𝘂𝘀𝗲𝘀, proactive moves the couple made before the passing, and knowing what to do in the wake, can help to reduce the financial strife during this period of emotional grief. DISCLOS...

It can be tough to determine if you or your spouse will have a 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗰𝗮𝗿𝗲 𝗶𝘀𝘀𝘂𝗲 arise or if a 𝗻𝗲𝗲𝗱 𝗳𝗼𝗿 𝗰𝘂𝘀𝘁𝗼𝗱𝗶𝗮𝗹 𝗰𝗮𝗿𝗲 will rear its ugly head during your retirement. Perhaps then, the question isn’t 𝗜𝗙 you need a strategy to cover steep long-term care costs, but rather 𝗔𝗥𝗘 𝗬𝗢𝗨 𝗣𝗥𝗘𝗣𝗔𝗥𝗘𝗗 should that instance arise? After all, a solid and well-rounded retirement plan is holistic, comprehensive, a...

A lot of big-box firms and advertisements push a benchmark figure to hit for retirement, often one or two million dollars. But this retirement planning approach doesn’t account for the 𝗰𝗼𝘂𝗻𝘁𝗹𝗲𝘀𝘀 𝗼𝘁𝗵𝗲𝗿 𝗳𝗮𝗰𝘁𝗼𝗿𝘀 to consider. Account statements and balances are 𝗻𝗼𝘁 𝗮 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻. It’s merely a lumberyard. You’ve got to figure out how to take all that lumber you’ve been accruing during your working...

Unless you’ve spent the last couple years under a rock or without turning on a TV or logging onto the internet, you’re aware that 𝗶𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 𝗿𝗮𝘁𝗲𝘀 𝗵𝗮𝘃𝗲 𝗯𝗲𝗲𝗻 𝘀𝗸𝘆𝗿𝗼𝗰𝗸𝗲𝘁𝗶𝗻𝗴. Things have started to regress back to the mean thus far in 2023, but upon closer inspection, one will find that the risks posed by 𝘀𝘁𝗮𝗰𝗸𝗲𝗱 𝗶𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 are ever present. The year-over-year inflation rate in 2022 was 8.5%. In 2023, i...

Since its introduction in the late 1990s, Roth IRAs have gained traction among savvy investors who were 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝘁𝗼 𝗿𝗲𝗺𝗼𝘃𝗲 𝘀𝗼𝗺𝗲 𝘂𝗻𝗰𝗲𝗿𝘁𝗮𝗶𝗻𝘁𝘆 from their future income picture. Now they are starting to enter the field of 401(k)s, so it helps to know exactly what 𝗥𝗼𝘁𝗵 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 can do. Roth IRAs and Roth 401(k)s allow you to pay taxes on the contribution to the accounts at current rates in exchange for 𝗧...

When you first enter retirement, your health is likely good, your bucket list is long, and time is plentiful. The PERFECT equation for 𝘀𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝗺𝗼𝗻𝗲𝘆. But how can you spend freely in your 60s and have 𝘁𝗵𝗲 𝗰𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝗰𝗲 𝗶𝗻 𝗸𝗻𝗼𝘄𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝗮𝘀𝘀𝗲𝘁𝘀 𝘄𝗶𝗹𝗹 𝘀𝘁𝗶𝗹𝗹 𝗯𝗲 𝗮𝗿𝗼𝘂𝗻𝗱 later down the line when you might need to allocate more toward your or a spouse’s healthcare? By turning those account statements you have...

If you're not the same person you were 5 years ago, your investments probably shouldn't be either. Consider this, if you're aggressive on the inside, shouldn't your portfolio match who you are? And if you're conservative, your portfolio should probably align with that too. On this episode of EASE, Tom breaks down 4 reasons you should consider personalized risk into your portfolio. Investment advis...

ESG stands for environmental, social, governance and did you know that it is mandatory for these funds to be in your retirement plans? Such as your 401(k), 403(b), 457(b). On this episode of EASE, Tom covers all things ESG funds. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are af...

In the month and year of March 2023, we've witnessed the following banks go near or ENTIRELY underwater, Silicon Valley Bank, Silvergate Bank, and Signature Bank. And since there's a limited coverage per account under FDIC, how does this bank crisis impact the REST Of society? Tom Mosley discusses in depth, how this crisis may impact your present and future retirement. Investment advisory services...

Television, Facebook, Instagram, TikTok, your friendly neighborhood plumber, they're ALL the best news sources...we wouldn't want to disagree with you. All we're asking is, can you trust EVERYTHING they've told you about annuities? Stick around to hear Tom run through some questions you might want to ask before believe that annuities are your mortal enemy... Investment advisory services offered by...

One of our clients walked in the other day stating that he was curious about 401ks and how they work, digging more into his question, we discovered he had 6 401k's all from different employers! On today's episode, Tom runs through 4 different options you have if you're in a similar situation to our client. You can stay, start a new 401k, cash out, or rollover to an IRA. Keep watching to learn more...

Are you certain your income will last as long as you do? On this week's episode, Tom highlights the importance of ensuring longevity of your income in retirement. Grab a pen and paper, because this podcast is full of enlightening information. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Se...

So you've got some savings for retirement ready? Now, you're faced with the next question which is 'where do I put it'? That hard-earned income deserves to be well-taken care of! On this week's episode, we review only a few outlets for those savings. We strongly suggest you reach out to your preferred financial adviser before making any concrete decisions. Don’t spend more time wondering about whe...

Investing is complex enough, now investing a recession? That's taking on a whole new challenge, but we've got you covered! With Tom's collective experience, he sheds some light this episode on where to invest in a recession.     #investmentplanning #financialeducation #retirementplanning #easeintoretirement #mosleywealthmanagement Don’t spend more time wondering about whether you’re ready to retir...