Kevin Lao

Planning for Retirement with Kevin Lao

Business EN ↓ 130 episodes

After more than 17 years serving retirees, I’ve seen the same pattern: people spend 30–40 years building wealth, but the biggest financial decisions happen right before and after retirement. I’m Kevin Lao, a fiduciary financial advisor specializing in retirement income planning, Roth conversions, Social Security, tax strategies, RMDs, and smart investing for those with $1M+ saved. If you’re within 10 years of retirement or already retired and want clarity, confidence, and tax-efficient income, this podcast is for you. Bonus points if you love golf!

Author

Kevin Lao

Episodes

Ep. 5 - What is a safe rate of withdrawal in retirement? 29.07.2021 12:20

The formula we use at our firm, Imagine Financial Security, is; Financial Goals + Risk Tolerance - Income Sources = Rate of Withdrawal. If you follow this logic, you will find a goals based rate of withdrawal that is customized to your financial plan, not some benchmark created by someone who knows nothing about you.   Hope you enjoy it!

Ep. 4 - Maximizing Social Security Benefits for Retirement 26.05.2021 12:44

Social Security represents approximately 40% of all retiree's incomes.  When to claim Social Security is ultimately unique to everyone, so I put this episode together to help you think about multiple factors before making a decision.  

Ep. 3 - Four Stress Tests For A Bulletproof Retirement Plan 22.03.2021 31:53

If your investment portfolio and retirement plan can pass these four stress tests, you will find yourself having more peace of mind in your retirement years than you could ever imagine.  Take a listen and learn more about how we can help stress test your plans for retirement.

Ep. 2 - The Tax Trap of Traditional 401ks and IRAs 12.02.2021 25:23

In this episode we will address how accumulating significant savings into Traditional 401ks and IRAs can lead to a massive tax burden in retirement.  Additionally, we will be addressing the provision in the SECURE Act which will change the way we view leaving these retirement plans to the next generation.

Ep. 1 - Introduction to The "Planning For Retirement" Podcast 01.02.2021 15:13

This is our inaugural episode of the Planning For Retirement Podcast.  Therefore, I want to simply introduce the WHY behind this podcast as well as let all of the listeners know about my background both personally and professionally.  Lastly, I will tease the next episode content and hope you all enjoy what we are bringing to the table.  