Retirement 360

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. Retirement 360 is...

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. Retirement 36...

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 "au...

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. Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, running for well over a decade. Alan Mercuio and T...

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. 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 Merc...

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! Retirement 360 is a Su...

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! Retirement 360 is a Sunday morning radio tradition in the Louisville, Kentucky area, running for well over a decade. Alan Mercuio and Troy Bolto...

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! 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 at economic issues an...

Historically, whenever the market goes down, at some point investors rush in and “buy the dip" but could this dip be different? We hear audio from Allianz's Chief Economic Advisor Mohammad El Erian advising caution when trying to time the market. Are people afraid of running out of money? A survey from both Schroders and Schwab both confirm this. The Schroders survey asked people 40 and up. 42% ha...

The DOW slid almost 13% in one week due to the news of the Coronavirus. When will it stop? Will it continue to slide? Alan and Randy talk about how this recent scare has affected the market and what they expect it to do when comparing it to previous outbreaks. In contrast to the Coronavirus talk, Randy and Alan also talk about a "backdoor Roth IRA" and go through the pros and cons of going into re...

Did you know that even though people 50+ only make up 35% of the population but pay 59% of all federal income taxes?! Alan and Randy talk about this and more in this weeks radio show and talk a bit about how you can opt out of that statistic. Is having your money in a hedge fund the best bet? Alan talks a bit about how Wall Street's most successful hedge fund fell short when compared to most run-o...

Politics and investing... How are they affecting your portfolio? A new study claims that mutual fund managers tend to invest more money in companies that share their same political beliefs and it could end up costing you. How long do you think you will spend in retirement? For most people, the answer is longer than they expect. Will you live to be 90? 100? Maybe even 150? The more important questi...

Volatility in the market is causing a lot of retirement savers to pull their money out of the market, but Fidelity thinks they might be over reacting. For instance, what happens if you take your money out and then the market goes up? Then you're just leaving money on the table. Troy talks a bit about this and the risks associated with pulling your money out of the market during volatility. The age...

So... Is another recession really on the way? If a recession does hit, how is going to effect you if you're in (or nearing) retirement? Alan talks a bit about this and also talks a bit about how your financial plan should have planned for a possible recession. There are some people who aren't planning to retire for a very grim reason...They don't expect to live that long. The truth of the matter i...

How much risk is too much risk in retirement? How much risk should you be keeping in your portfolio as you start to exit the work force and enter into retirement? Patrick Kelley, the author of Stress Free Retirement, says it all depends on when you're going to actually need the money that you're investing. Don't tell your lawyer friends, but there's a new phone app that actually lets you draw up a...

Have you heard about Uncle Sam and his retirement plan? Here's a hint - he doesn't retire when you do. Your taxes are essentially Uncle Sam's "retirement plan" and when you retire, you only keep on paying them. Alan talks a bit about paying taxes in retirement and how to factor them in to your anticipated retirement income. Does it make sense to convert your Traditional IRA to a Roth IRA? What are...

What do Bill Belicheck and Warren Buffet have in common? They're planners. While Belicheck might do his planning on the field and Buffet in the bank, both have a set plan for what they're doing and understand every step along the way. This week we talk about how having a game plan for your retirement is incredibly important and how you're leaving money on the table if you're not planning properly....

If you're still investing in index funds while nearing retirement, a recent Forbes article says you could be making a costly mistake. Many retirees or people closing in on retirement depend heavily on this traditional investment strategy and a recent article says there might be better ways to do so. Even if you haven't taken the time to set up an official state plan, you already have one whether y...

According to the Stock Trader’s Almanac, in years preceding presidential elections since 1971, the July-October span marked the worst four months. The Dow and the S&P 500 index have tended to peak in July, bounced around in the next couple of months, and dropped in October, ending with losses by Halloween. Should some of us go into “financial hiding” for a while? Did you know that you could ge...

The economy is currently in a good spot... but the Federal Reserve is cutting interest rates? Is this normal? Alan walks you through the traditional process the Federal Reserve follows when it comes to interest rates and explains why the Federal Reserve has decided to cut rates. Did you know that according to a survey from Nationwide Retirement Institute fewer than 1 in 4 people can name the four...

When you sit down with a financial advisor, one of the main reasons you do so is to find out if and when you're able to retire. When you're trying to decide that, what factors are you looking at? Alan goes through some of the main factors that help make this decision and talks about the questions he asks in his planning process. Did you know that about 20% of Americans over the age of 65 are still...