Retirement 360

After a segment on Black Friday spending, Alan and Troy discuss legacy planning, and the importance of laying out everything needed to be sure that assets are passed down not only in accordance with the wishes of the retiree, but also done so in the most tax efficient way possible so that those left behind are not burdened with further issues.

The go-go years, the slow-go years and the no-go years - those are the nicknames for the three phases of retirement, where you are more active at first, then less and less so as you get older. Alan discusses what your money needs to do during each phase and how proper planning helps make sure it is available.

Putting a solid retirement plan together is like building a house - you need a strong foundation, sturdy walls and a great roof for protection. Alan and Troy discuss what goes into each of these areas when it comes to retirement planning, and how the Retirement 360 Game Plan helps put the right things together for your situation.

Alan and Troy discuss a recent quiz about financial literacy where a majority of Americans flunked, and how they discuss matters with clients to get them a solid plan they can understand and be happy with as they go into retirement.

Today Alan and Troy discuss things to do so that your plan has the best chance of being solid - one of which is to keep it simple.

Alan and Troy look at some recent financial headlines, then talk about what some of the main points are to plan for a comfortable retirement and the strategies used to help get you there.

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How to know if your Retirement is on track! by Alan Mercurio

Retirement 360 Mistakes to avoid in Retirement by Alan Mercurio

Retirement 360 06 - 26 - 21 Segment 1 by Alan Mercurio

In this segment, Alan talks about a couple of interesting findings from a new Charles Schwab survey...one being that the average baby boomer has about $920,000 saved for retirement, and that boomers expect to spend about $135,000 a year in retirement. Alan says at that rate, they’ll enjoy a comfortable seven years of retirement. But what happens in year-eight … and year-nine … and all the years th...

They say people assume they’re diversified because they own an S&P 500 index fund. But, all that means is that your stock holdings are diversified – not that your overall retirement portfolio is diversified. On today's show, Alan and Troy talk about the really important distinction between the two and the very common mistakes you could be making.

The baseball playoff's are underway, so we're giving you a sports analogy tied into your financial planning. When you’re trying to figure how much money you’ll need in retirement, the first question is – how many years do you think you’ll need to pay for? Unfortunately, we can only guess at that number. Alan Mercurio and Morningstar’s David Blanchett say most of us are not very good guessers… they...

What would you be willing to sacrifice if it meant you could retire 10 years sooner than planned? You've been working your whole life to get here and what happens? A global pandemic takes over the world, and election with unprecedented consequences is looming in the fall, civil rest is all around and you're just trying to retire. This week Alan talks about all of these concerns, the solutions and...

Are you letting the election coverage influence any of your investment decisions? How have these unprecedented times impacted your decision making when it comes to retirement planning? Alan and Randy take some time this week to talk about what the reality of your investment decisions could be leading up to the election and help put you in the best position heading into November.

How is monopoly like retirement planning? Is it a game of luck or game of skill? Most people say a little of both. You can’t control what happens with the dice, but you can control what happens next. Alan and Randy take some time on this week's radio show to talk about how a children's board game can teach you a lot about retirement planning if you're thinking about it the right way.

In a trade magazine named "Physician's Practice" they say that doctors think they have an easier time planning for retirement since they're such high earners... but how true is that in reality? Are high earners simply more prepared for retirement? Does this mean low earners won't be able to even plan for their retirement? Alan and Randy discuss this thought process and the truth behind each questi...

We hear the age-old investment advice to not put all your eggs into one basket, which makes index funds really attractive for a lot of people since they're already so diversified. Did you know that of all the gains seen in the S&P 500 since March, 30% have all come from only 6 stocks? Alan & Randy talk about what companies have been driving the S&P 500 and how diversification isn't "automatic" whe...

We hear every day about the downsides of COVID-19 and it's effects on the market... but are their positives we're not thinking about? Troy and Randy discuss these easily ignored upsides we've been seeing when it comes to Coronavirus and your retirement. Also, we have talked about how all the Federal stimulus money may lead to tax hikes in the future. But don’t forget state and local governments ar...

Where are you getting your education about retirement? It's no secret that the confusing path to retirement lacks a bit of transparency but we're trying to change that. In this episode we talk about the educational content we're creating and how you can access it.

This week we go back in time to some of our favorite segments from the beginning of the year until now. Alan weighs in on some important financial topics and continues his stance on transparency and education when it comes to retirement planning.

Fifty-five years…and counting. The soap opera “Days of Our Lives” is one of the longest-running scripted TV shows in the world! Some things stand the test of time … while others fall by the wayside. What are some common retirement planning beliefs that have not held up very well? Also, according to a Transamerica study, only 1 in 4 workers have taken this essential step before leaving the workforc...

While people were celebrating father's day, hopefully they were tuning in as well! Alan went over some financial advice we all get our fathers and shares some of the best advice he got from his father when it comes to finances. Is retirement planning too complicated? Alan reviews the results to a Harris Poll and the answer might surprise you. Tune in to find out the results!

This week we decided to take some of our favorite clips from recent months and put them together in a "Best Of" series for you all to enjoy! Have a topic you'd like to hear covered on our radio show? Drop us a comment and we'll take it into consideration!

Alan talked with Tony & Dwight live on WHAS this morning about what's going on with the market, how to navigate it and how it relates to the Coronavirus. Tune in to see what he had to see!