Freedom To Retire

The investments you've had for the past 15-20 (or longer) years may not be what you need to be holding on to these days.  Jim Cipriotti discusses the benefits of changing up your strategy and more 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 comp...

Hopefully re-entering the workforce after retiring is something you do by choice and not necessity.  Still, there are things you should consider before putting those work clothes back on.  Jim Cipriotti discusses this and more 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 info...

Withdrawing from a 401(k): generally a bad idea.  But borrowing from a 401(k)?  Well, that’s not quite as cut and dry.  Jim Cipriotti weighs the pros and cons of a move like this, and more, 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 complimenta...

At the very end of 2022, Congress finally  passed Secure Act 2.0, which is meant to help Americans save more for their retirement.  Jim Cipriotti breaks down what you need to know about these new rules 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...

Market performance, or lack thereof, has certainly been in the spotlight after a volatile 2022.  But returns are only a part of the retirement plan... and neglecting the other factors can be just as detrimental as a volatile market.  Jim Cipriotti discusses the other things that you need to consider on this episode of Freedom to Retire.   Catch Freedom To Retire with Jim Cipriotti, powered by Reti...

Recent market volatility has caused many investors to become more conservative in their 401(k)s, but are there options for retirees outside of 401(k)s?  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 4:00 p.m. ET on WPHT. For more information and to schedule a complimentary consulta...

With the new year fast approaching, what should we expect from the markets in 2023- more of the same, or a light at the end of the tunnel?  Jim Cipriotti offers his insight, and how to prepare accordingly on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT. For more information and to sched...

Market gains are obviously great, but without proper planning, those gains could be diminished in the form of taxes.  Jim Cipriotti discusses how to keep more of your money working for you (and less going to the IRS) with something called “tax loss harvesting” on the latest episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Satur...

We all like to see big returns in our market balances and, yes, that can impact the overall quality of our retirement, but it's only a part of the equation.  Jim Cipriotti talks about the importance of income, taxes, and even mental well-being on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on...

Truthfully: there isn't one number that  guarantees success in retirement.  But a proper strategy specific to you can go a long way top making sure the numbers you have work in your favor.  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 4:00 p.m. ET on WPHT. For more information and...

That's how the saying goes. And while we all wish we could, none of us can control the markets. What we can control is how our retirement accounts respond to market volatility… beyond just “hanging in there.” Jim Cipriotti discusses this and more on this latest episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p...

Next year, retirees will see the largest Social Security COLA, or Cost of Live Adjustment in four decades.  And while that's certainly not a bad thing, the increase doesn't exactly keep up with the actual cost of living.  Jim Cipriotti discusses how to factor Social Security benefits into your retirement plan on this episode of Freedom To Retire. Catch Freedom To Retire with Jim Cipriotti, powered...

As the year winds down and the holidays get ready to start, don’t forget about that one family who’s always expecting a gift: Uncle Sam.  Jim Cipriotti discusses year-end tax moves that you should look at, including how to minimize those Required Minimum Distributions (or RMDs) in the coming years on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire R...

There is a difference between average returns and actual returns, and planning your retirement on the former could lead to some problems down the line.  Jim Cipriotti explains the difference and how to get a better idea of how your portfolio will look for the next 20-30 years on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group e...

More than ever, people are desperate for information on how to keep their retirement on track.  But how many of them are actually seeking out financial advisors for that information?  Jim Cipriotti talks about the value in turning to professionals to get answers on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday...

It's important to have emotional detachment when it comes to your financial plan- not just remaining calm through market turmoil, but avoiding falling in love  with any particular stock or strategy.  Jim Cipriotti explains on this episode of Freedom to Retire.   Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT. For more info...

Saving for retirement is obviously a large part of the strategy.  Making that money  last is just as important, and Jim Cipriotti discusses the peril of compound losses and the value in guaranteed income on this episode of Freedom to Retire.   Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT. For more information and to sche...

Knowing when to make changes to your retirement plan is a sort of Goldilocks approach: you don’t want to do it every time the market sees a dip, and you certainly don’t want to have the same strategy that you had ten years ago.  Jim Cipriotti discusses how to find the “just right” approach for you on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire R...

It was mentioned as a possibility at the end of 2019 in the Secure Act, but the presence of annuities in your 401k options is becoming more and more likely, thanks to current legislation in Washington.  Jim Cipriotti weighs the pros and cons of this potential option on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Satur...

Withdrawing money from the wrong accounts at the wrong time can cost more than you think. Jim Cipriotti discusses the tax implications you could face, and how that can magnify withdrawal costs if not done properly, on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT. For more information an...

With $80 billion earmarked for new funding for the IRS included in the Inflation Reduction Act, the need for tax planning (especially in retirement) is becoming more and more clear.  Jim Cipriotti discusses what you should be doing on this week’s episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00 p.m. ET on WPHT....

For the first time in quite a while, the current inflation rate is down from 9.1% to 8.5%.  But it might be too early to say that inflation has peaked.  Jim Cipriotti discusses how to factor inflation into your retirement plan, regardless of the rate, on the latest episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:...

Albert Einstein once called compound interest “the eight wonder of the world.”  In that same vein, withdrawing from your accounts during down markets is compounding losses, and that’s anything but wonderful.  Jim Cipriotti discusses how to avoid compound losses on this week’s episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Sat...

While everyone is focused on the volatility in the market these days, there’s one aspect of retirement that many are neglecting, and it could be as costly as any market correction.  Jim Cipriotti discusses the importance of aggressive tax planning on this week’s episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 4:00...

With rising interest rates, record high inflation, and debate over whether or not we’re already in a recession, there’s certainly a lot of "financial noise" out there these days.  Jim Cipriotti talks about how you can tune out the noise and focus on what really matters: making sure your retirement is on track, regardless of what happens, on this week's episode of Freedom to Retire. Catch Freedom T...