Retirement 360

Today Alan address the coming "Peak 65" when more people will turn age 65 than at any point in U.S. history and what it can mean for those who are planning for retirement. Troy and Alan also address other headlines as well as their State of the Economy seminar on July 14 with two outstanding guest speakers.

In the opening segment Troy looks at some headlines as well as promoting some major events Mercurio Wealth Advisors will host in the coming weeks. Then Alan revisits the subject of retiring in today's changing environment with few pensions and longer lifespans, and how a written income plan can help make your retirement dollars last so they can provide for your retirement lifestyle as long as they...

There are a lot of things to know about Social Security - taking it at a random time just because you want to could actually cost you thousands of dollars over your retirement lifetime. Today Alan talks about how you can make the right decisions and get the most of your benefits.

The baby boomer generation is in the midst of its retirement years now, but Gen Xers are not far behind. Today Alan takes a look at what folks in their 40s and 50s - as well as boomers in their 60's - should be doing to get their financial plans ready for their retirement years.

Troy begins the program by talking about his background in financial services and how he became involved with Mercurio Wealth Advisors. Then Alan discusses how retiring in today's financial environment is so much different from just a few years ago, especially in regards to how the reduction in pensions and the rise of 401Ks and other self funded investment instruments have changed how people need...

The IRS tax code consists of over 70,000 pages - and it changes regularly. And they leave it up to you to make sure the return you send them annually is correct. Today Alan talks taxes and how important it is to not only get things right this year, but also how tax planning for the future can potentially save you hundreds of dollars or more that you can keep instead of sending it to Uncle Sam.

Today Alan looks at some of his favorite things about Kentucky Derby Week, which just concluded at Churchill Downs. Later in the show he revisits the subject of stock market volatility, and what to keep in mind about staying the course with your investments during the economic bumps in the road.

After some weekly headlines Alan looks at how you can give your financial situation a so-called spring cleaning. It's a good time of year to take a look at your situation and statements, and have a discussion with a financial professional about the best way to use them in a solid retirement plan, or to go over your current plan and update anything which needs it, depending on your situation.

Retirement is like a vacation destination - and the same kind of planning is required to make sure the trip goes smoothly. Today Alan discusses the process and steps needed to be sure you have everything you need for that retirement destination you imagine.

After Troy looks at current financial headlines, Alan takes a look at the various challenges women face in retirement, especially given that they are likely to outlive their spouse or partner and still have income needs after they are gone. He outlines some of the strategies and planning that can apply to a woman's unique situation so money will continue to be there for her after her partner has p...

After Troy looks at financial headlines, we look back at Alan discussing how a solid retirement plan is constructed so your money can provide for not only income, but helps you through inflation, paying taxes, health care and legacy planning.

Troy takes a look at financial headlines, then Alan takes a look at what it takes to comfortably retire in today's inflationary environment, as well as looking at working in retirement - yay or nay.

After Troy Bolton looks at recent financial news, Alan takes a look at estate and legacy planning, and making sure that the kids and estate executors know what the plan is supposed to be so that things will be taken care of as desired.

People get spooked by stock market volatility, but a good retirement plan takes these roller coaster rides into account. Alan takes a look at what planning can do to protect assets that provide income while mitigating the risk concerning the money that is still invested for long term growth.

If you are a small business owner, you may not have considered a retirement plan, or a way to transition the business going forward when it comes time to stop working. Today Alan discusses the many ways that a small business owner can set themselves up for retirement even if they don't have much in the way of actual savings for it.

What is it like to come into a financial planning office? Today Alan takes you through that experience with Mercurio Wealth Advisors, from the moment you first make contact through the process of putting a Game Plan together all the way through implementing that plan once it is agreed upon.

As you get close to retirement, you have IRA and 401K accounts that have built up a lot of money. But unless they are Roth accounts, they also could come with big tax obligations. Alan goes over how taxes are paid in these accounts and gives you ideas on the most efficient strategies to use in accessing these funds so you end up with the least amount of taxes necessary.

Today Troy discusses current financial headlines and topics, then Alan revisits the Retirement Construction Zone, and speaks to how a solid retirement financial plan is, well, constructed, using the specific ideas that an individual has in mind for that time of life to put together a customized plan to meet those needs.

Automated programs designed to help you with a retirement plan have been the rage in recent years - but can they do everything a human advisor can? Alan takes a look at both sides of that issue, and how human advisors can help customize a plan in ways a robo advisor isn't designed to do.

Today Alan takes a look at wealthy people and how they may - or may not - have the best plans for their later years. Especially when it comes to legacy planning and how the estates of entertainers like Prince and Aretha Franklin - neither of whom had a will at their death - had court issues before they were settled, much to the detriment of those left behind.

It's one of the cornerstones of any retirement income plan - Social Security. But the rules surrounding it can be tricky when it comes to claiming benefits. Today Alan discusses how choosing the right time to claim them can lead to more money for your retirement, and how making the wrong decision can cost you big.

Today Alan talks about what it is like to contact his office for a Retirement 360 Game Plan, and how everything works so that you get a good idea of what to expect from a top level retirement planning visit.

Having some cash available on an immediate basis is necessary in any good plan, but interest rates at the bank are very low so it doesn't earn much. Alan talks about having the balance between how much to have in available cash and having the rest in other instruments for whatever your plan requires.

Today Alan discusses what it takes to construct a solid retirement plan, akin to construction on highways and projects throughout the year.

As you get closer to retirement, there are numerous and different questions to ask. Today Alan looks at some of these, including whether you have saved enough money for retirement.