Ready, Set, Retire!

Regardless of how you feel about the election results, there’s a good chance your tax rates will be going up in 2021.  But IRA expert Ed Slott tells Yahoo Finance it’s up to you to decide by how much. I think we’d all like to “take control” of our tax rate – but how is that possible?  Then , Market Watch says three-fourths of all investors manage their own finances.  But when you narrow it down to...

Sometimes, we talk about the “myths” of retirement.  And Forbes says one of the most common ones is that we’ll be in a lower tax bracket, when we quit working.  That certainly seems to make sense – why would it not be true?  Then, how much weight do you put on your financial decisions based on who is in the White House? How will this upcoming election impact you, your money and your retirement?  ...

To make sure your body is healthy, you go to the doctor for regular physicals.  And to make sure your car is healthy, you go to a mechanic for regular maintenance.  But what are you doing to keep your pocketbook healthy?  How long has it been since you had a financial check-up?  How long since you sat down with a financial advisor for a retirement review?  Staying financially fit is one of the key...

Every so often, the government puts banks through a “stress test” to make sure they can make it through severe economic downturns.  An article in Forbes says we should do the same thing with our retirement portfolio, should we?  Meet with Steve today for your customized stress test for YOUR portfolio! CLICK HERE TO SCHEDULE ! See omnystudio.com/listener for privacy information.

We’re all asking the same questions these days:  The first one is, “ Who will be our next president – Trump or Biden ?” And the second one is, “ How will that affect me ?”  But does our retirement future really depend on what happens in November, or is it more about the preparations that we’re either making – or not making? Hear how Steve can help you & your financial plan be prepared for no matte...

Did you know there is such a thing as lifetime income that you can't outlive? And, when it comes to putting your income together, do you need one big pile of money or different buckets of money?  Hear Steve explain his process, and how he can help you design an income plan to get you TO and THROUGH retirement!  Want to see what Steve can do for you? Call him today ! See omnystudio.com/listener for...

Meet Steve Anzuoni, Cape Cod’s very own Retirement Income Specialists! You’ve worked hard for 40-50 years, now it’s time to take that pile of money and see how long it will last and how much income it will produce. Steve’s rule is simple, DON’T LOSE THE MONEY! Make that transition from accumulation mode to income mode and see how your savings can replace that paycheck you’ve been used to receiving...

Once you retire, the paychecks stop – right? Yes, but, it’s important to remember that even after you leave the working world, you need income to replace the savings that you are now using. Would you rather have a plan that says “maybe the money will be there” or “the money is guaranteed?” Clearly, guaranteed! The question is, how can you do this? In the end, we want INcome not IFcome and the good...

Football is finally back!  And there’s an old saying, “Offense wins games, but defense wins championships .” Best-selling financial author Patrick Kelly says the same can be true for your retirement strategy. But how do we keep from “giving up points” when it comes to our nest egg? Steve talks about his strategy for creating buckets of money and how he can help protect and grow your nest egg. Ever...

The #1 fear in retirement, is running out of money – how can we avoid this? One of the tricks to planning a successful retirement is to figure out how much money you can safely withdraw from your nest egg, without running out. One of the simpler ideas is to plan on taking out the equivalent of what your RMD’s (required minimum distributions) would be. Does this work or is there a better way? Do yo...

Have you heard of the "A" word when it comes to financial planning? ANNUITY! What is it? Can it help you? Can it hurt you? How do you know if an annuity is for you?    As Cape Cod's Retirement Income Specialist , Steve uses his more than 3 decades of experience to create a solid income plan for you where you DON'T run out of money, no matter what happens on Wall Street.  Find out if an Annuity is...

Yes, all money is green but did you know you have to assign it a purpose/color?  Steve explains the different colors of money that you need, what they mean and why you need it. Find out what part of your money is red, green, and blue.   If you understand your money and how it works, you retire with confidence. First, you need a PLAN. If you don't have a plan, its a plan to fail.  Contact Steve tod...

If you have left a job, been laid off or furloughed, what do you do with your 401K? Steve discusses the best options available and the pros and cons of each.  If you have questions about your 401K or planning for a successful financial future - contact Steve today!  See omnystudio.com/listener for privacy information.

Sometimes, we talk about the “myths” of retirement.  And Forbes says one of the most common ones is that we’ll be in a lower tax bracket, when we quit working.  That certainly seems to make sense – why would it not be true? • It makes sense why people believe this.  They don’t see themselves paying more in taxes because they’re no longer earning money; rather, they’re now living off what they’ve a...

They're calling 2020, " the year of cancelled ." Graduations, weddings, vacations and even professional sports! Even with all of that, you're retirement is NOT cancelled!  Did you know that roughly 68 million Americans are changing their retirement plans because of COVID-19? According to a new Edward Jones and Age Wave study , 29% of Americans say they'll retire later than initially planned, citin...

Over the course of our lives, we ask and answer many of the same questions: Are we there yet?  It’s how much?  Where do you want to eat?  And finally, when can I retire?  Steve discusses some other frequently asked questions you get about retirement!  Get YOUR questions answered today and contact Steve today for a complimentary consultation!  See omnystudio.com/listener for privacy information.

It's been a crazy year hasn't it? Steve has been busier then ever helping many clients and listeners during this crisis making sure they are well positioned and protected. These days, with so much uncertainty, it's understandable that many of us are dealing with anxiety on many levels. Anxiety about our job, our money, Covid-19, the election - you name it!  One of the most common questions Steve i...

On today's episode, Cape Cod's Retirement Income Specialist (Steve Anzuoni) gives you a timeline of event since January 2020 of MAJOR changes to retirement planning, and explains how it could impact you!  In December, we told you about “The Secure Act." It changed the RMD age from 70 ½ to 72 and eliminated the stretch IRA. In May, we told you about “The Cares Act. ”Which waved RMDs for this year a...

Ever think these questions to yourself? How can you build a strong financial blueprint? How can you have money coming in every month? Is it possible to REALLY never run out of money?  How do I start putting a plan together? Am I being too risky in my 401k? (what do my investments look like in my 401K?) Will Social Security be enough?  If ANY of these questions have crossed your mind, then you're i...

On the 4th of July, we celebrate Independence Day. What should people be focused on to achieve financial independence? As a Retirement Income Specialist , Steve explains how he can get you income for life and more!  Call Steve Today for a FREE consultation over the phone, a ZOOM meeting or in person!       See omnystudio.com/listener for privacy information.

There has been LOTS of changes to retirement planning in the last 6 months! Steve discusses and explains these changes and what it means for YOU and YOUR retirement!    In December, we told you about “The Secure Act.” It changed the RMD age from 70 ½ to 72 and eliminated the stretch IRA. In May, we told you about “The Cares Act." Which waved RMDs for this year and allowed you to take money from yo...

Now is a great time to take inventory of your finances. Some financial checklist items  are your beneficiaries updated on your life insurance, your will, your financial accounts, your IRAs?  Organize your statements - online or paper statements.  Do you have a trust and is it up to date?  Do you keep track of all your usernames and passwords for online accounts? Did you know you can password prote...

We all just want to go back to "normal," right? Seems what we are living today is our "new normal." So what can we do to better position ourselves for when the economy goes up and (hopefully) soon fully recovers? Steve explains why his tools and strategies can help you make sure you are in the right position today and tomorrow, no matter what the market is doing.  Steve is holding meetings via pho...

USA Today says Americans are more concerned about what the corona virus is doing to the economy, than about how it might affect their health. Clearly, we need to take the health warnings seriously, but do you really think we’ll bounce back from this historic financial damage? Contact Steve today for a phone consultation or a virtual meeting!  See omnystudio.com/listener for privacy information.

Nearly three-fourths of the people surveyed by the website FinanceBuzz say they’re worried that the country is headed for a recession – and a fourth of them say they’re “not optimistic” about their personal financial future. It’s looking kinda grim - is it time to go into “financial hiding”?  Studies show that those who have guaranteed money coming in every month are happier in retirement. Do you...