Retirement 360

What's in store for the year ahead? Alan and Troy get into this subject and discuss new higher 401K and IRA savings limits, Social Security and Medicare adjustments, the Big Beautiful Bill tax deductions and more. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, running for well over a decade. Alan Mercuio and Troy Bolton of Mercurio Wealth Advisors take a look...

Stock market volatility is always a threat - it can crop up at any time. Alan and Troy take a look at why having a solid retirement plan can help mitigate the effects of volatility so you can keep more money in your pocket. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, running for well over a decade. Alan Mercuio and Troy Bolton of Mercurio Wealth Advisors ta...

How much you have saved for retirement is just half the battle. Turning it into reliable income to cover your living expenses is the real concern. Alan takes a look at creating a retirement plan that will make sure you have the income you need, plus money for growth to cover inflation, as well as possible future health care or long term care needs. He and Troy also revisit the key questions you ne...

A recent study shows health care expenses are - what else - going up. Alan and Troy take a closer look and stress the importance of planning to cover these ever increasing costs, especially as it relates to long term care. They also revisit Roth conversions, as well as five taboo topics in retirement conversations. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area...

Santa makes a list - and checks it twice - for Christmas, so why shouldn't you do the same thing when it comes to retirement planning? Alan takes you through what to have on the list to make sure your plan will get you through retirement. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, running for well over a decade. Alan Mercuio and Troy Bolton of Mercurio Wea...

New data shows retirees face massive health care expenses totaling an estimated $172,500 per person from age 65 on, a 4% increase over last year. Alan and Troy dig into the information and identify some things you can do to plan for these rising expenses. including having some reserves on hand, taking a look at statements and estimating what future needs may be and setting aside as much as necessa...

Alan and Troy look at the new year ahead and share some deeper planning ideas that go beyond the basics to help with tax efficiency and more. Later they revisit the subject of Roth conversions and how to determine whether they are right for your plan. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, running for well over a decade. Alan Mercuio and Troy Bolton of...

A recent survey shows financial advisors are optimistic about the economic future, even with concerns about inflation, taxes and market volatility. Alan and Troy dive into this survey and find that the optimism comes from preparing for whatever lies ahead with a comprehensive plan. Later they revisit the subject of longevity and how it can affect even the best retirement plans. Retirement 360 is a...

Troy handles the entire show today and begins with the 2026 Social Security Cost of Living Adjustment (COLA) and what you need to know about next year's program. Later he touches on highly appreciated assets and how you can save on taxes when it comes to disposing them or passing them to the next generation. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, runni...

Alan and Troy revisit health care planning in light of a study showing the increasing costs of long term care, and how important having some kind of plan for it is for your retirement. They also revisit the key questions you need to answer before you retire. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, running for well over a decade. Alan Mercuio and Troy Bo...

Next year's Social Security cost of living adjustment will be 2.8%, as the government just announced. Troy and Ashley Schneider take a look at the numbers and how it helps retirees to have a plan that goes beyond just Social Security to provide the necessary income for retirement, especially in keeping up with inflation and rising Medicare costs. Later Alan joins the show and addresses behavioral...

Alan and Troy are small business owners who are going through the transition from one generation of ownership to another, and on this episode they discuss the ways it can be done to provide money for retirement for the owner who may not have thought about it during the years when he or she was building their business. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky a...

People fear outliving their savings more than they fear death itself. Longevity is the new retirement reality, along with disappearing pensions and having to essentially keep track of investment savings yourself. Alan takes a look at what to do to help mitigate the various mistakes one can make when trying to grow, then preserve savings to be able to enjoy a long retirement. Retirement 360 is a Su...

Troy starts off the show by looking at why now is a great time to take care of whatever is needed for end of year financial moves like Roth conversions or required minimum distributions. Then Alan joins him to revisit the subject of annuities - what they are and how they might fit into your plan. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, running for well...

Alan and Troy take a look at Roth conversions, when they can make sense and how to do them to get the best tax benefits from them. Then Alan is joined by Elizabeth Gillette to talk about Medicare Open Enrollment, which begins this Wednesday. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, running for well over a decade. Alan Mercuio and Troy Bolton of Mercurio...

Alan and Troy discuss the pros and cons of the recent interest rate cut by the Federal Reserve and what it could mean for retirees, especially those who are savers or who have fixed rate investments. They also revisit retirement spending and how it can be more than you think and how to plan for that possibility. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, r...

After months of discussion and haggling, the Fed finally decided on a quarter percent rate cut earlier this month. Is it the start of a gradual decline in rates andm if so, what will it mean for your retirement future? Alan takes a look and discusses the importance of having a plan that will work no matter what direction interest rates take going forward. Retirement 360 is a Sunday morning radio t...

Alan and Troy revisit three interesting subjects - financial habits to break when it comes to retirement; money challenges in retirement planning, and taboo topics people don't like talking about concerning their finances, but sometimes need to in making sure their plans come out the way they would like. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, running f...

Alan and Troy take a look at some common myths about retirement such as Social Security providing all of your necessary income, or Medicare taking care of all medical expenses (neither are true) and others and provide guidance on how to work toward getting these needs met in your plan. They also discuss creating a solid legacy plan and answer listener questions. Retirement 360 is a Sunday morning...

As we start to enter the home stretch of 2025, it could be a good idea to assess your investment strategy now instead of waiting for the end of the year rush. Troy looks at the recent landscape and offers some suggestions on how to best look at your plan and how to make any needed tweaks or requirements ahead of time so you can go into 2026 fresh and ready to go. Alan then joins the show to look a...

Elizabeth Gillette from the Mercurio office joins Mark and Troy to talk about the upcoming Medicare Open Enrollment period starting October 15th and some upcoming workshops in late September to address this year's changes. Alan then joins the show to revisit whether it may be time to change your advisor going into retirement, as well as answering listener questions from the mailbag. Retirement 360...

People can make emotional decisions regarding money for any number of reasons, because money may mean different things to each one. Alan and Troy look at some of the ways people think about money and why it is important to refrain from making decisions based solely on emotion, and how a trusted financial professional can help them stay on track with their plan and their goals. Retirement 360 is a...

Many people nearing retirement are concerned with making their savings last and preserving it for as long as they need it. Alan and Troy take a look at how they help clients put together a retirement plan that addresses the issues that can eat away at savings, such as taxes, inflation and health care. They also revisit some of the key questions people have about retirement planning and how they ca...

People look at spending money in retirement differently than perhaps the reality dictates. Alan and Troy look at the differences and the patterns it can take, and how having a budget for income is the foundation for a solid retirement plan. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, running for well over a decade. Alan Mercuio and Troy Bolton of Mercurio W...

Tariffs have been in the news a lot in 2025, especially earlier when they caused a lot of volatility in the stock market. Though that has calmed down some recently, anything can happen, and Alan and Troy look at the situation and how it can still affect your plan, especially in light of the recent passage of the Big Beautiful Bill and ongoing tax code changes for 2026 through 2028. Retirement 360...