Freedom To Retire

Before you clock out for the last time, before you collect your first social security check, before you even think about Medicare… there’s one age you should pay attention to as you approach retirement, and that’s 59 ½.  Jim Cipriotti talks about why this age is so important, and why letting it go by without taking action could cost you thousands in potential savings, on the next episode of Freedo...

A lot of changes (obviously) happen when you retire.  You stop setting your alarm.  Your commute disappears.  And you begin spending the money you’ve spent your entire working career saving up.  Jim discusses why that last one is often the most stressful change for new retirees, and how he’s helped people make the adjustment with confidence on this episode of Freedom to Retire. See omnystudio.com/...

What should you do with your 401(k) when you change jobs?  The conventional wisdom is to move the account, but there’s a new option that actually incentivizes leaving it with your former employer! Jim discusses the pros and cons of this option on this episode of Freedom to Retire.   See omnystudio.com/listener for privacy information.

Are you a baby boomer approaching retirement? If so, you're not alone. But many baby boomers are feeling behind the 8 ball when it comes to their retirement savings.  Jim discusses the importance of having a comprehensive retirement plan that takes into account all of your income sources, such as Social Security, pensions, and investments. He also talks about the different types of investments tha...

In this episode of the Freedom to Retire podcast, Jim discusses the importance of estate planning, especially when it comes to protecting your assets from unwanted inheritance. He talks about the different types of trusts that can be used to keep your money in the hands of your loved ones, even if they get divorced or remarried. He also discusses the importance of updating your beneficiaries on yo...

In this episode hear Jim talks about the new tax law that will require high-income earners to make Roth 401K contributions instead of traditional 401K contributions. He discusses the pros and cons of this change, and offer advice for high-income earners who are considering making the switch.   #babyboomer #financialplanning #socialsecurity #retirement #financialplanner #financialliteracy #wealth #...

If there was a glaring mistake in your retirement plan, when would you want to know about it?  Jim Cipriotti talks about the number one mistake pre-retirees make, and how to avoid it, on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary con...

With 2023 already halfway over, it's an excellent time to see if you should be staying the course with your retirement plan, or if changes should be made.  Jim talks about the types of things to look at in a mid-year portfolio review on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For mo...

When it comes to making a big decision, are you more likely to take the advice of friends, family, or a professional?  Jim Cipriotti discusses the merits of each on the latest episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with J...

Maybe not at the moment, but could you be overpaying the IRS by not taking taxes into account right now?  Jim Cipriotti discusses what you should be looking at on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipri...

Do you find yourself constantly checking to see how you stack up compared to others when it comes to your retirement?  Jim discusses why you should consider changing your outlook on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consulta...

It’s important to learn from your own mistakes… but what can you learn from other people’s mistakes?  Jim Cipriotti talks about common retirement missteps that you don’t have to make on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary cons...

Is it enough to have money saved for retirement, or is there value in having a proper withdrawal strategy in place as well?  Jim Cipriotti discusses the common mistakes people make when spending down their nest egg (and how to avoid them) on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. F...

Artificial intelligence has been in the spotlight lately, and while there are practical uses (thank you, autocorrect!), there are still things that may not be ready just yet (robo-dentists?).  Jim Cipriotti talks about the pros and cons of robo- advisors on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00...

As the Federal Reserve raises interest rates (again) to try and curb inflation, here's something to consider: inflation will always exist... but hopefully to a lesser degree.  Jim Cipriotti discusses how to factor that into your retirement plan so that you don't have to cut back on your lifestyle 10-20 years from now in retirement.   Catch Freedom To Retire with Jim Cipriotti, powered by Retire Re...

There's certainly a time and place to do it yourself, and certainly some pride that goes into being able to do so.  Jim discusses why managing your own finances, especially in retirement, may not be the time or place. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consult...

Inflation, the market... Living longer than you'd accounted for.  These are all things that can directly impact your retirement picture, but by taking the proper steps you can overcome these and so many other so-called "enemies of retirement."  Jim Explains how to get started on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group e...

So many people are concerned with making their money last in retirement that they actually are afraid to spend anything.  Jim discusses how he helps clients begin to enjoy themselves on this episode of Freedom to Retire.   Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary co...

As reminders of the 2008 financial crisis continue to appear, think about this: what’s different this time, and what are you doing about it?  Jim offers his insight on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim...

As the dust continues to settle following the collapse of SVB, what lessons can be learned as they pertain to your retirement accounts?  Jim Cipriotti tells you what to look out for on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consu...

With inflation and market volatility still out of hand, what's an pre-/recent retiree to do to protect what they've accumulated during their career?  Jim Cipriotti discusses how to use another hot button,  rising interest rates , in your favor on this episode of Freedom to Retire.   Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on...

No one has the fear of missing out on market gains lately, mostly because they're close to nonexistent.  But is there something else investors and especially pre-retirees should be looking at, especially before it's too late?  Jim Cipriotti discusses on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM E...

What's the winning strategy heading into retirement?  The short answer: it depends.  Jim gets into the longer, more in-depth answer on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with Jim Cipriotti, visit  www. RetireRead...

Do you feel like you're on track for retirement... as long as nothing goes wrong?  Jim Cipriotti discusses how to become more confident about your retirement prospects on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to schedule a complimentary consultation with J...

There are things you may be doing that can "drain the battery" of your retirement accounts much faster than you realize.  Jim Cipriotti talks about them and what you changes you can make to stop these drains on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more information and to sche...