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

Retirement planning is about problem-solving. It's not just about asset allocation; it's about identifying your current and future needs, managing expenses, addressing healthcare concerns, and crafting a legacy plan. In our conversation today, we talk about why it’s so important to work with an advisor who understands your entire financial picture.  Stay tuned as we share stories from cl...

Diversification is a word thrown around a lot in the financial world and is often misunderstood. We find that many investors claim to be diversified, but upon closer inspection, lack true diversity in their portfolios. It's not just about stocks and bonds; there's a whole world of asset classes and investment tools that might not even be on their radar. In this episode, we discuss what b...

There is a lot more to retirement planning than just picking investments. From timing Social Security to assessing your retirement overall readiness, today’s episode will explore some commonly misunderstood, yet critical areas in the world of financial planning. Is your advisor helping you navigate all of these decisions? Tad and Toni kick off this episode by discussing the intricacies of Social S...

Neither Freedom Financial Group nor AEWM are affiliated with Pamela Phipps or Grace House Ministries. If you work with our team or have been a listener for some time now, you might know that we are proud to be involved with several incredible charitable organizations in and around Birmingham. One of those organization is Grace House Ministries, a Christian residential campus for girls in foster ca...

Who are you learning from when it comes to making sure your retirement plan is successful? If you’re of the age that your mom and dad retired 20 or 30 years ago, the world was a much different place when they walked away from their paychecks. Let’s talk about how things are different now…  We’ll look at how retirement expenses have evolved, with people today being more active and spending more on...

If you've ever felt lost or overwhelmed after a financial planning meeting, today's episode is for you! We’re tackling the common issue of financial jargon in the world of investments and retirement planning. Listen in as we decode three examples of financial jargon and remind you that good advisors should be able to break down intricate concepts into terms that everyone can comprehend....

Will Rogers, American entertainer, radio personality, film actor and writer was famously known for his humor. In today’s show, we’re going to explore his timeless wisdom and its relevance to retirement planning. Join us to learn from some of the most iconic quotes of his career. This episode highlights the importance of learning from others' experiences to avoid costly mistakes in retirement...

What would Tad and Toni’s campaign slogans be if they ran for “retirement planning office?” Listen in as they each craft their hypothetical campaign platforms and discuss their visions while delivering practical guidance on making the most of your retirement journey. With humor and insight, this episode explores risk management in retirement planning and the importance of putting a solid financial...

When it comes to planning for your future financially, it’s important to first take a look inward. Understanding your financial worries and biases plays an important role in making informed decisions for your financial well-being. Join us in this episode as we delve into the crucial aspects of self-examination in the world of financial planning. Listen in as Tad and Toni explore 3 thought-provokin...

There are three things that people often want from their investments: growth, safety and liquidity. Is it possible to have all of these qualities in one investment? Listen in as Tad and Toni share their insights on various investment options like cash, stocks, bonds, mutual funds, annuities, and real estate and highlight the pros and cons of each. In the "Getting to Know You" segment of...

Welcome back to the Retire With Freedom podcast! Join us as we break down the different types of retirement risks in today’s episode and talk about how to address them effectively. From tax rate risk to longevity risk, we’ll discuss some commonly overlooked factors that could impact your financial future if not properly prepared for.  Discover why simply being aware of these risks isn't enoug...

On today’s show, we’re diving into the mailbag to answer some recent questions and concerns from our listeners. Patty from Hoover raises a critical question about their financial advisor’s lack of advice on topics like Social Security, life insurance, and legacy plans. Mick in Cahaba Heights asks about Tad and Toni’s thoughts on REITs as an investment.  Listen in as Tad and Toni explain why it’s c...

Most people probably think a financial advisor’s primary job is picking investments, but the reality is that’s just a small part of what we do for clients. In reality, our main focus is solving problems and that’s what true financial planning entails. You can quickly tell whether you’re working with a good financial advisor by determining whether they’re spending 80% of their time talking about in...

The realities of retirement are much different today than they were even 10 years ago. The world around us is constantly evolving and we need to keep up with that in order to help our clients reach their retirement goals. In this episode, we’re going to talk about some of those new realities and how they’re going to affect folks in retirement. Plus, we’ll discuss the planning strategies that we ne...

As retirement approaches, you might be feeling a twinge of anxiety. Are you financially prepared for the next phase of your life? If you're feeling a bit uncertain, you're not alone. It's common to worry about those symptoms that point towards bigger problems that could wreak havoc on your retirement plans. Fortunately, there's a cure for these retirement financial diseases and...

As people approach retirement, they often face various concerns such as running out of money, taxes, market crashes, and healthcare expenses. Listen in as Tad and Toni discuss the importance of seeking professional help for retirement planning. They also stress the importance of having a comprehensive retirement plan that considers various tools and strategies and touch on some misconceptions abou...

Just like gardening, well-planned financial plans require time, patience, and intentionality to succeed. In today’s episode, we explore the parallels between gardening and financial planning and the lessons we can learn from them. Listen in as Tad and Toni discuss the importance of being patient with investments, resisting the urge to take excessive risks, and giving your retirement plan time to g...

Welcome back to the Retire With Freedom podcast! This week, we’re discussing various types of costs and fees that can impact people as they approach retirement. We’ll also shed light on some penalties that you want to avoid and the importance of having a well-thought-out retirement plan in doing so.  Join us as we debunk some common misconceptions about RMDs and talk about the impact of having a c...

We have recently noticed an increasing interest in annuities among our clients. In today’s episode, we’ll discuss how they stand apart from traditional stocks, bonds, and savings accounts. We’ll break down the two primary types of annuities- immediate and deferred- to provide clarity on how they work and debunk some common misconceptions about them as well.  Whether you're just beginning to e...

Life has an uncanny way of surprising us with unexpected twists. Imagine spraining your ankle right before that long-awaited vacation, discovering your remodeling project requires costly plumbing repairs, or receiving a life-altering phone call just as you're about to step out the door. The truth is, predicting the future is a tricky business, but that doesn't mean you should leave your...

Do you find investment and insurance product fees and commissions confusing? Ever wondered why financial advisors' charges can be unclear? In this episode, we shed light on the different charging models used by investment advisors, brokerage firms, and banks. We discuss the importance of understanding how your advisor gets paid and the potential risks of not asking the right questions. We als...

Would you hire someone to fix your car without knowing what it was going to cost? Or hire a real estate agent to sell your home without knowing what fees are involved? Of course not! Along this line of thinking, why would you invest your hard-earned money without understanding the associated costs? Join us as we discuss why understanding fees, costs, and investment details is essential before entr...

Neither Freedom Financial Group nor AEWM are affiliated with David Bach. Welcome back to the Retire With Freedom podcast! Today, we are excited to be joined by David Bach , one of America’s most trusted financial experts and 10x New York Times best-selling authors. David has influenced millions through his books, media appearances, podcast, and seminars, offering strategies for living and finishin...

Transitioning into retirement is more than just stopping work; it's about entering a new phase in your life that's likely to last a third of your lifespan. This transition isn't just about surviving on your savings but about living your best life post-work. This episode will guide you on how to ensure you have enough money to support your lifestyle, the importance of having an emerg...

Welcome back to the Retire with Freedom podcast! Today, Tad and Toni are breaking down the tax law changes that have come with the new SECURE Act. From required minimum distributions (RMD) to catch-up contributions changes, they break down the key aspects you need to know for a successful retirement.  Discover how the RMD age requirement and catch-up contribution limits have changed, how these law...