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

Neither AEWM nor advisors providing investment advisory services through AEWM recommend or facilitate the buying or selling of cryptocurrencies. 1880260- 7/23. The phrase “knowing what we know now” is mostly worthless, because OF COURSE we’d do some things differently if we could see the future. But since we can’t see the future, we can at least learn from other people when they’re looking in the...

Welcome back to the Retire with Freedom podcast! In today’s financial landscape, the need for intelligent design in retirement planning is critical. In this episode, we challenge some outdated retirement approaches and debunk some common misconceptions to help you gain a better understanding of the financial strategies necessary for financial success.  Tune in as we discuss the drawbacks of shifti...

In today’s episode, Tad and Toni tackle some common retirement planning catastrophes and share some insightful strategies for achieving financial security. From poor assumptions and inadequate planning to the lack of a retirement income strategy, there are many retirement planning pitfalls that you could fall into if you aren’t careful. Tune in for a discussion about adapting to market corrections...

In this episode, we dive into some critical aspects of managing your 401(k) and other retirement assets. As we discuss the importance of making informed decisions, we’ll reveal little-known strategies that can significantly impact your financial future. Stay tuned to learn about the benefits of rolling over your 401(k) into an IRA, providing more control and investment options. Learn how neglectin...

Neither Freedom Financial Group nor AEWM are affiliated with Brodie Croyle or Big Oak Ranch. Today we are joined by Brodie Croyle, president and CEO of Big Oak Ranch in Birmingham, Alabama. Big Oak Ranch is a ministry focused on providing a loving, Christian home for abused and neglected children, giving them a chance to thrive, grow, and fulfill their potential. Initially starting with a single f...

In this episode, we’re going to discuss the widely known 4% rule in the financial industry, which suggests that retirees can safely withdraw 4% from their portfolio annually, adjusted for inflation, without running out of money. Does this rule really work? We’ll shed light on how this rule has come under question in recent years due to market conditions and share why this may not be a reliable str...

Neither Freedom Financial Group nor AEWM are affiliated with Jack Hausen, Trent Redwine, or Shepherd's Fold. In today’s episode, we are joined by Jack Hausen and Trent Redwine from Shepherd’s Fold , in Birmingham Alabama. Jack Hausen is the executive director and Trent Redwine serves as the director of operations of this ministry. Shepherd’s Fold works to help homeless individuals released fr...

In today’s episode, we’re going to share some quotes from great investors like Charlie Munger and Benjamin Graham. We’ll take a look at these wise words and discuss how they apply to retirement planning. Through this lens, we’ll examine some common retirement planning mistakes and talk about how to steer clear of them.   Drawing on our experience of helping clients with similar situations, we&apos...

Financial planning can be overwhelming, particularly if you have been burned by the market or have received poor advice in the past. It is easy to feel unsure about where to begin and hesitant to embark on your financial planning journey. However, creating a plan that takes into account the ever-changing variables in your life is critical for achieving financial security in the long run.  In today...

Today’s show is a fun one. We’ll share some reasons why you should not call a retirement planner. While we typically highlight the benefits of seeking professional financial advice, today’s show is a tongue-in-cheek look at why you don’t need help.  Of course, if you're a master at conducting online research and are self-motivated, you may feel confident that you have all the answers you need...

Developing a comprehensive retirement plan tailored to your unique circumstances is important. Even if you have a long way to go before retirement, there are improvements you can make in your finances now that will set you up for success later down the road.  In this episode, we’ll cover some simple adjustments you can make to your retirement plan to help achieve a more comfortable retirement.  Wh...

If you are less than ten years away from retirement, there are critical things you need to be thinking about to properly prepare. Maybe you feel behind on your retirement savings or don’t have a structured plan in place to keep you on track. If that is the case, what should you do? In today’s episode, we are going to answer these questions and share the other essential things you need to consider...

Are you worried about making mistakes in your retirement planning journey? Today we are going to talk about some common missteps that people often make and share advice on how to avoid them. Whether you’re tackling financial planning on your own or have been given bad advice on how to invest your money, you could be making detrimental mistakes in your retirement plan by not consulting an expert.  ...

Whether you’re thinking about retiring soon or are already in retirement, do you have a clear idea of where your finances stand? We find that most of our clients are unclear on how much money it will take to sustain their lifestyle in retirement. In today’s episode, we are going to touch on some common mindsets that we see regarding retirement finances. If you don’t know how much money is going ou...

Are you tired of one-size-fits-all financial advice that doesn't quite fit your unique needs and goals? In this episode, we’ll introduce you to the three personality types that we work with most often in financial advisement: the over-analyzer, the odd couple, and the do-it-yourselfer. We'll discuss the pros and cons of different approaches and explore how understanding your financial pe...

Do you know how much money it will take to support your lifestyle in retirement? We find that many of our first-time clients are unsure or are way off with their estimates. Having a solid financial plan that accounts for expected and unexpected circumstances is critical for your retirement. Today’s episode features a pop quiz that will get you thinking realistically about your financial planning n...

Being a good advisor isn’t about telling people what they want to hear or winning a popularity contest. It’s about evaluating a person’s finances and being realistic about what they need to do to reach retirement.  In this episode of Retire With Freedom, Tad and Toni Hill will push back against some of the most common beliefs and opinions related to retirement planning. We want to help you underst...

Are you being pushed into retirement earlier than you planned? If so, you're not alone. Many retirees and pre-retirees face this dilemma and are left with a lot of questions. In this episode of Retire With Freedom, Tad and Toni Hill explore common concerns of those who are forced or encouraged into retirement. They'll provide you with answers and clarity so you can evaluate your options...

Neither Freedom Financial Group nor AEWM are affiliated with Tracy Hipps or the Christian Services Mission. On this episode of Retire With Freedom with Tad & Toni Hill, we take a break from financial talk and get to meet one of the key members of the Birmingham community. We have the pleasure of speaking with Tracy Hipps, the executive director of Christian Service Mission (CSM), an organizati...

Retirement planning is very much like putting together a jigsaw puzzle and figuring out how to make every piece fit together.  When you put together a comprehensive plan, there are so many different items that you need to review and prepare for, and that’s not easy to do. It’s important that you work with a professional that is a retirement planner that can help you see the full picture and piece...

Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA. We come across people all the time that have a drive to get educated when it comes to financial planning but it’s important to b...

With the way the market has performed over the last year or so, you might just say there have been plenty of stock market shenanigans. The ups and downs of the market are never easy to experience while they happen.  So many things are beyond our control but you don’t have to let those things rule your financial life. We can’t stop the stock market from correcting or crashing, and none of us can st...

Baseball player Sam Ewing once said, “Inflation is when you pay fifteen dollars for the ten-dollar haircut you used to get for five dollars when you had hair.” It’s a humorous quip, but as most of us found out in 2022, inflation isn’t much to laugh about when it truly impacts your life. On this episode of the Retire With Freedom Podcast with Tad Hill and Toni Hill, we’ll talk about how even those...

It’s human nature for all of us to get influenced by some type of bias in our lives. Our finances are not excluded from this either and bias can play a big role in decision-making if you aren’t cognizant of this.  In this episode, Tad and Toni will explain the different cognitive biases that investors get swayed by. This can happen in a variety of ways, but there are a few that we see most often a...

It’s time to serve up some investment planning conversation by taking you out to the Retirement Restaurant.  Oftentimes it’s easier to understand different concepts when you make analogies to everyday experiences, and that’s what we’ll do on this episode by making a few financial comparisons to a night out. Hopefully this will be an appetizer for the next meeting you have with your financial advis...