Ironclad Retirement

The amount of money on your statement is not a plan for your retirement. Money alone is not a plan, and you don't know how long you will live. You need to optimize your money for the retirement you desire. Listen to this episode and you'll understand why money is not a retirement plan.

There are 3 Types of Money, and knowing which of these your money is in makes a lot of difference in your retirement plan. Some of your money could be taxable, some could be tax-deferred, and some could be tax-free. How much of your money is in each type dramatically impacts your retirement plan. Listen to this episode and you'll more fully understand the 3 Types of Money and what you can do to op...

Did you realize that up to 80% of your Social Security could be taxed? Listing to retirement planning expert, Matt Richman, as he shares how taxes can affect your social security, income, and retirement plan.

"Always be prepared" is a great phrase for retirement. In this episode, Matt shares how he has helped a client create a "Swiss Army Knife" with her retirement money. Now she is prepared for anything that comes her way and has the peace of mind to live life on purpose.

Your money should have a purpose. Is your money for living or dying? Do you want to use your money to enhance your life or give to the next generation? Regardless of your answer, Matt can show you how to structure your retirement so you can have the retirement you've been dreaming of. Listen to this episode and you'll be better equipped to know the Purpose of Your Money.

Planning for your retirement should begin when you are young. In this episode, Matt shares how younger people can begin planning for retirement sooner rather than later. There are many benefits to starting sooner and planning longer. It's never too late to call Matt, nor is it ever too early.

How does a retirement planning expert differ from a traditional financial advisor? In this episode, Matt explains why you may want to change your financial "dance partner" when you are ready to create your Iron Clad Retirement.

Taxes will follow you throughout retirement. You should begin your year-end tax planning today so you can be in better financial position next year and every year. After listening to this episode, you'll understand how Year-End Tax Planning is a key part of an Iron Clad Retirement plan. 

76% of people in retirement fear running out of money more than dying. Retirement is supposed to be your golden years. It's not the time of life when you should worry about whether or not you have enough money to live. In this episode, retirement planning expert Matt Richman explains how you can enjoy retirement without worrying about running out of money.

If there is any certainty in retirement, it is that inflation will happen and that it will eat away at your income. In this episode, retirement planning expert Matt Richman explains how you can create a battalion of Retirement Inflation Fighters that will guarantee you receive a raise in your income during retirement.

Annuities can provide guaranteed income for life plus a whole lot more. Listen to this episode as retirement planning specialist Matt Richman explains some of the additional benefits an annuity can provide to you and your family. You'll learn how an annuity can provide you with income, accumulation, long-term care protection, loss of income protection, and much more.

There has been a lot of misinformation about annuities in the last few years. You hear it on TV, in the media, and online. But is it all true? Listen to this episode as retirement planning expert Matt Richman explains how annuities of today are vastly different than annuities of yesterday.

A properly structured life insurance policy can be a phenomenal resource as you plan for your retirement. Life insurance can also be used to provide for your children's college education or perhaps starting a business. Listen to this episode as retirement planning expert, Matt Richman, shares some of the additional benefits of a tax free distribution from a life insurance policy.

7 out of 10 people may ned Long-Term Care during their lifetime. How will you pay for this? Listen to retirement planning expert, Matt Richman, as he explains how a properly structured life insurance policy can help you provide for long-term care needs you may experience.

Which type of insurance should you utilize in your retirement planning? Listen to retirement expert, Matt Richman, as he explains how you can use life insurance to generate tax free income in retirement.

Converting an IRA into a Roth IRA can be a great move, but you need to understand the tax ramifications before you move forward. In this episode, Matt Richman explains what a Roth Conversion is, who can use it, and how you can take advantage of this if it's the right thing for you.

Did you realize that there are certain rules of the Roth? In this episode, retirement planning expert, Matt Richman, helps you understand a few of the most critical rules of the Roth. There are contribution limits and there are also a few back doors that you may have to use to create the retirement of your dreams. Listen to this episode, and then reach out to see how Matt Richman and his team can...

The IRA is a staple in saving for retirement. But there is a vast difference between a traditional IRA and a Roth IRA. In this episode, retirement planning expert, Matt Richman, explains the differences and similarities between a traditional and a Roth IRA.

Do you know how much salary you would like to have in retirement? In this episode, retirement planning expert, Matt Richman, explores how taxes impact your retirement and the income you want to have. Taxes are not going away anytime soon, so it's better to be prepared than to be shocked. Listen to this episode and learn how you can maximize your retirement salary as you create an Iron Clad Retirem...

Understanding the three buckets of money is an important concept when you consider planning for your retirement. Listen as retirement planning, expert, Matt Richman, explains the three buckets of money, and how you need to plan for retirement depending on which bucket your money is in.

A 3-legged stool is stable and doesn't wobble. Does your retirement have all three of these legs, or is your retirement "stool" only sitting on two legs? Listen to this episode and retirement planning expert, Matt Richman, explains how to ensure that your retirement is on solid footing. 

The #1 FEAR in Retirement is NOT Death... it's running out of money. How much is enough? Can you be certain that you have saved enough money? These are good questions, but they are not the right questions. Listen to this episode and retirement planning expert, Matt Richman, shares the question you should ask to eliminate your fear of running out of money. If you want to make sure you have income f...

What does the ideal retirement look like to you? How do you want to spend your time enjoying life? Listen in to see what retirement expert, Matt Richman, says about finding purpose in retirement. 

Many people will need some type of long-term care during retirement. This can be a huge expense that could devastate your family. In this episode, you'll learn how to plan for this possibility without draining all that you've worked so hard to save.

The government doesn't go away during your retirement years. In fact, many times they are more aggressive. Learn how you can plan today to lower your tax liabilities during your retirement years.