Retire With Freedom: Featuring Freedom Financial Group's Toni, Tyler & Tad Hill

Have you ever heard of the Rule of 100? This rule suggests that you should subtract your age from 100 to determine the percentage of your portfolio that should be in stocks. What about the 75% Rule, which claims that you will only need 75% of your pre-retirement income to maintain your lifestyle in retirement?  In this episode, Toni and Tyler are here to share why these common financial rules of t...

In today's episode, we're talking about the significant wealth transfer happening as baby boomers prepare to pass on their accumulated wealth. With so many people leaving behind substantial legacies, it's important to understand how to manage and optimize the assets you're leaving behind. Listen in as Toni and Tyler talk about the impact different types of accounts can have on...

Retirement is a huge milestone, often filled with both excitement and apprehension. It's a time filled with questions and logistical challenges. When can I retire? How much do I need to have saved? How much can I spend? There are tons of moving parts to this process, and without the help of a professional, the process can feel very overwhelming.  Listen in as Toni and Tyler stress the importa...

Retirement is a milestone that many of us look forward to, but what if it comes knocking on your door earlier than expected? In today’s episode, Tad and Toni take a few minutes to discuss some of the tough questions and decisions that accompany an unexpected retirement. Having a trusted advisor by your side can help you navigate some of these decisions, but even if you've already made choices...

The financial planning world is full of common rules of thumb and assumptions you’ve probably heard of. For example, have you ever been told that you'll be in a lower tax bracket in retirement? Or that life insurance becomes unnecessary as you enter your golden years? We’re excited to welcome Tyler, Tad and Toni’s daughter, onto the show this week to talk about some of these common financial...

Neither Freedom Financial Group nor AEWM are affiliated with Bryant Driggers or One Brother. One Sister. ONE Mission. In today’s episode, Tad and Toni reconnect with an old friend, Byrant “Breyer” Driggers. Breyer has a story that many in their late fifties and early sixties can relate to, working hard to become debt-free and create a secure future for himself and his family. We’re excited to have...

Neither Freedom Financial Group nor AEWM are affiliated with Carolyn Potter or The WellHouse. We love to feature local charities that we work here on the podcast. So, in today’s episode, we're honored to welcome a very special guest, Carolyn Potter- CEO of The WellHouse . She’s here to give us a look at the inspiring work of this incredible organization, dedicated to the recovery of female su...

In this episode, Tad and Toni share a few important questions you need to ask yourself as you prepare for retirement. They discuss common misconceptions about downsizing your home, the realities of retirement expenses, and the importance of having a solid income plan before you step into this new season of life. For example, if you’re thinking about moving into a smaller home in retirement, have y...

Are you getting a tailored retirement plan or just a sales pitch? In today’s episode, you’ll learn how to recognize whether a financial advisor is looking out for your best interests or merely trying to sell you products. Stay tuned as we share some client stories, give you some red flags to look out for, and caution that credentials alone don’t guarantee quality advice.  Remember, retirement isn&...

When it comes to retirement planning, many people believe they've got it all figured out. "I'm averaging 7-8% on my investments," they say, for example, confident that this will carry them through their golden years. But is this confidence misplaced? Stay tuned as we explore some of the flawed calculations that many retirees make regarding their financial future. We’ll debunk s...

Creating a customized retirement plan for someone often means addressing unique challenges along the way. Whether you face a health problem, a job loss, or a roof leak, life has a way of throwing unexpected hurdles at us. In today’s episode of Retire With Freedom, Tad and Toni discuss some of the unique challenges they’ve helped clients with throughout the years. Many people avoid seeking financia...

A retirement plan isn’t something that you create once and put on a shelf to gather dust. You want to make sure it’s working to support your retirement dreams with growth and preservation. Join Tad and Toni as they explore the importance of crafting and adjusting your personalized financial plan. From handling market ups and downs to dealing with unexpected life changes, they highlight the advanta...

Crafting a written financial plan for retirement is critical, yet shockingly, only 43% of Americans have one. Just like a football coach wouldn't step onto the field without a game plan, your financial future shouldn’t be left to chance without a solid strategy in place. In today's episode, we're focusing on why having a well-crafted financial plan is so essential. One of the bigges...

Many people consider or plan to work part-time in retirement. Maybe you’re thinking about pursuing a passion or leveraging a skill set for some additional income. While the idea of working part-time in retirement is appealing, it’s important to recognize that these plans don’t always unfold as expected.  Unfortunately, the nature of post-retirement employment is unpredictable. Some industries may...

Crafting the right retirement nest egg recipe for you requires a unique blend of financial ingredients. Like cooking, where each dish benefits from a thoughtful combination of flavors, retirement planning is about finding the perfect balance that suits your tastes and goals. And with this, it’s important to avoid any mixes that could be toxic to your financial health.  While many think that having...

Every successful financial story begins with a clear understanding of where you want to go and how you’re going to get there. Think of it like taking a road trip, where you need gas in the tank, air in the tires, and a GPS to help you stay on track. Without a proper plan, it can be easy to lose your way. While many people try to take the DIY approach to financial planning or think that diversifica...

Navigating retirement planning is no easy feat, and today's middle-aged adults, typically in their 40s and 50s, find themselves in what's known as the "sandwich generation." Juggling the financial support of both elderly parents and their own children, this dual responsibility often slips under the radar when planning for retirement but is very important to consider.  In today’...

In today's volatile market environment, having a solid financial strategy is essential. But despite what some financial professionals might try and tell you, this process isn't just about balancing stocks and bonds. Join us in this episode as we talk about the importance of crafting a financial roadmap tailored to your life.  We dive into the intricacies of retirement planning, addressin...

The stock market can be unpredictable, taking your hard-earned money on quite the thrill ride. In this episode, we explore the challenges many face when navigating the highs and lows of the market and discuss strategies to ensure a smoother ride for your nest egg.  Throughout this conversation, we discuss why a good retirement plan goes hand-in-hand with a trusted advisor who understands the intri...

Join us as we answer some listener questions in today’s episode. These episodes are a great way for you to learn from real-life financial planning questions.  One listener is considering retirement at the age of 55 and wants to know if it's a bad idea. Another listener asks Tad and Toni what their thoughts are on investing in foreign currencies. Stick around until the end for a fun segment wh...

In today’s episode, we’re going to challenge conventional wisdom surrounding retirement planning. For example, is a mortgage always considered “good” debt for everyone? Or is changing investments when they're not performing well the right solution? Stay tuned as we chat about some of these commonly held beliefs and the importance of having a well-rounded retirement plan. As Tad and Toni share...

The question ‘When can I retire?’ is one we get quite often. Rather than viewing retirement as a fixed dollar amount or an age milestone, it's a complex question that requires careful analysis. Unfortunately, many investment brokers and media personalities offer generic advice without understanding individual circumstances. But your retirement date cannot be determined by a one-size-fits-all...

In today’s episode, we’re talking about some undeniable retirement planning truths: people are living longer, involuntary retirement is becoming more common, healthcare costs are rising, and the stock market remains unpredictable. Preparing for retirement looks vastly different than it did just a decade ago, and it’s more important than ever to have the right plan in place to navigate whatever unc...

If you’re in the market for a financial advisor, it’s important to make sure you’re working with the right team. But for those new to the world of financial planning, distinguishing the right advisor from a potentially poor fit can be challenging. In today’s episode, we explore key indicators and red flags to help you navigate this decision and share why a personalized approach in financial planni...

Do you think it’s possible that we could see another financial crisis in your lifetime? When we ask prospective clients this question, most of them answer with “yes.” Do you know how much your portfolio would be down in the event of another 2008? If you aren’t sure, shouldn’t you be? In today’s episode, we’re going to talk about a disconnect that we commonly see in the financial landscape- what ma...