Money Master Retirement Podcast

What if you could get to your retirement savings early — penalty-free — but end up less confident about retiring? Today we're talking about Rule of 55 …and why retiring early just because you can access your money might actually keep you from ever FEELING retired .

Author Morgan Housel once said: 'You should obsess over risks that do permanent damage and care little about risks that do temporary harm, but the opposite is more common.' And he's right—most investors spend more energy worrying about the noise than the real danger. We'll talk about it on this episode. 

One of the top questions we hear from people right before retirement is: Should I pay off my mortgage? It sounds simple, but the answer is a little more complicated. Today we're going to break it down.

What if I told you that two people could have the same retirement income…but one lives confidently and the other is constantly worried  they're  spending too much?   Today  we're  ranking  six types of retirement income  — from the ones that feel stressful to spend…to the ones that create total confidence.  

Most people get a little nervous before their first meeting with a financial advisor. They wonder—what will they ask me? Am I going to get pitched on products? Do I need to have all my paperwork ready? Today, we're pulling back the curtain on what we wish everyone knew before their first meeting with us.

More people than ever are asking:  Can I retire in my 50s?   And  maybe the  better question is… Can I retire in my 50s without regret?   Today we're talking about what it actually takes to retire early and still feel confident about  the life  ahead.  

You've probably seen the headlines: 'Crash coming,' 'Recession inevitable,' or 'Buffett moves to cash.' And it raises the question: are these headlines really helping investors? Or are they quietly sabotaging good decisions? For most people nearing or in retirement, the media noise does more harm than good. Today, we're unpacking why that is, and more importantly, what you can do to insulate yours...

What if the  lowest tax years of your life  are the ones you never planned to take advantage of? Today we're talking about what we call the  Retirement Tax WINDOW  — that sweet spot between leaving work…and hitting Required Minimum Distributions. And that window can determine  how much of your money you keep versus how much goes back to Uncle Sam.    

We hear this all the time— 'I just want to feel comfortable in retirement.' But what does that actually mean? Is it a number? A lifestyle? Just peace of mind? That idea of 'comfort' comes up in so many planning conversations, and today we're unpacking what it really looks like—because it's probably not what most people expect.

Mike and Julie were in their early 60s—and they were ready to retire. The only problem? They didn't feel READY, the market felt SHAKY, and they weren't sure if leaving work now would jeopardize their future. They wanted freedom, but they also wanted peace of mind. Today, Certified Financial Planner Tori Ten Hagen will be walking us through the case study of how we helped them decide if NOW was the...

You may have seen the headlines—Warren Buffett just boosted Berkshire Hathaway's cash pile to a record $347 billion. And naturally, people are asking: Is he expecting something big? Is he pulling back from the market? We've had some of those same questions come up in client conversations—especially during market dips earlier this year. So today, we're going to break it down and talk about what thi...

"Have you ever had that thought: What if my advisor is wrong? It's a fair question—especially when the future feels uncertain. Today, we're going to talk openly about that doubt—and explain what advisors are actually meant to do.

In this episode of the podcast, Nick, Tori, and Connie explore a provocative idea: what if the key to happiness in retirement isn't saving more, but spending differently? Drawing on new research and real client experiences, the team discusses how money can be used intentionally to boost well-being, connection, and meaning in retirement. Tune in to hear how retirees can shift their mindset — and th...

In this Q&A session, Tori and Nick sit down with Connie to answer real questions about how our firm approaches retirement withdrawals using a risk-based guardrail strategy. Watch this podcast to gain a fuller understanding of how our dynamic withdrawal approach works, how it adapts to market conditions, and why it gives retirees more clarity and confidence without relying on rigid rules of thumb....

How will I handle market drawdowns in retirement?   This is a question we hear often.   People want to know what their retirement plan will do when the market takes a downturn.   They want to know what their plan will be.   Will they have a bucket of money sitting somewhere?   Will they make adjustments to their portfolio?  

One question we hear often is "Will my SS be taxed?" When you retire and begin taking your SS benefits, will the government want to tax that?   After all, haven't you already paid taxes on this money? Add to that—there's been some talk about NOT taxing SS benefits at all!   How might that impact your retirement? And is it as good as it sounds?

Today, we're tackling a big question: Should I gift money now or wait until later?    You want to give gifts to loved ones or to charities--- but you're questioning when the right time would be for that.   When could they best use that money?   Will I need that money someday?  

Today, we're talking about investing in stocks during retirement.   People ask about balancing growth vs safety in retirement.   You hear all of this negative stuff about the stock market.   Should I keep investing in retirement?" that's the question we're answering today.

People ask if they should work an extra year or not.   We hear it a lot--- and the answer is not just about money—it's about your lifestyle, your health and what you want your retirement to look like.

If you've ever been told, " A Roth conversion is the best thing you can do for your retirement, " this episode is for you…. Because you also need to know when they might NOT be a good idea.     While converting your Traditional IRA or your 401k into Roth has some fantastic benefits, there are times when it might not be a good idea… Today we will talk about the scenarios where it might actually wor...

There is a right time to hire a financial advisor and there's a wrong time---- or at least a time when they aren't as beneficial.   We've spoken with countless individuals who are seeking clarity about their financial futures. Some of them ask outright, "Should I hire a financial advisor now, or wait?" That's the exact question we're discussing today.

There are 5 conversations every couple should have before they retire. Retirement isn't just a financial transition; it's a lifestyle change that affects every aspect of your life—especially for couples. Today, we're diving into the five financial conversations every couple needs to have before retiring to make sure you're on the same page and set up for success.

Today, we're addressing a topic that's in headlines quite often: What happens if Social Security becomes insolvent? Is it really going away in 2034? Should you worry about your benefits? …and what you can do to prepare. Check Out Our YouTube Channel : www.youtube.com/@brindleandbay

You've been scrolling social media, chatting with friends, or attending reunions, and it feels like everyone is posting about their retirement parties, exotic vacations, and new hobbies. Meanwhile, you're still setting the  alarm for work every morning. Why does it feel like everyone's ahead of you—and what should you do about it?"   That's what we're going to talk about today.   Check Out Our You...

The responsible side of each and every one of us knows we should be doing certain financial planning things each year.   But we're busy people and most of us can only make time to do the things that are THE MOST ESSENTIAL.   So today we're going to talk about mastering your money with only the most pressing things people nearing retirement should do.   Check Out Our YouTube Channel : www.youtube.c...