Secure Your Retirement

We have a new book available - Secure Your Retirement book! Why did we write a book and what is it about?  This book is a resource to help people thinking about retirement or planning for retirement to understand what they should consider. Some of the chapters include having active money management, lifetime income, tax reductions, and much more. In this episode of the Secure Your Retirement...

What questions do you have about social security? It is important to keep in mind that professionals at social security are instructed not to give you any form of advice.  There are many factors to be considered when applying for social security for your retirement whether you want to do it before or after 70 years. These factors include age, sources of income, spousal benefits, and much more...

Have you ever asked yourself what would happen to your money if something happened to your advisor? This is a common and very legitimate question to ask. It is important to keep in mind that nothing’s going to happen to your money, whether you’re working with independent advisors like us or a larger institution. Your money is housed by a custodian and will still be there if something does happen t...

Have you thought of how your retirement is going to look like? Aging greatfully means having a plan for the financial, spiritual, personal, and entire details of your life after retirement. When planning for an exciting, creative, and peaceful retirement, you also need to have an end-of-life plan. Planning for your end of life gives you peace and it also inspires your brand-new beginning. In this...

How does tax affect your non-IRA brokerage accounts? What if we told you that there’s a clean and better way for you to get tax deferral on your capital gains? A strategy that works at a low cost and that gets rid of the annoying short-term capital gain problem. This strategy is by use of the variable annuity, which even though we have stated has more negatives than positives, in this case, is hig...

The pandemic has significantly slowed down and things are changing. What questions relating to your retirement planning do you have? In this episode Secure Your Retirement, we tackle some questions on the changes that might occur in the future during our Wine Down. We cover questions on potential tax changes, Roth conversion, planning for a market correction, and inflation. Listen in to understand...

Now that you have decided to change your advisor, how then do you move to the next one? Moving from one advisor to another is a simple paperwork process that only takes days to be completed.   You can move from one advisor to another within the same custodian, or you can move from both an advisor and a custodian at the same time.   In this episode of the Secure Your Retirement...

The 1 st quarter of the year saw tremendous economic growth, but will the 2 nd quarter continue the trend? The economy has broadened in the past few months due to downtown representation and employment acceleration factors. But we still have higher demand than supply, inflation costs, and interest rates concerns. In this episode of the Secure Your Retirement podcast, we have Andrew Opdyke, a Certi...

Do you want to break up with your advisor, but you have no idea how to approach it? Breaking up with your advisor is not unusual, and there are different reasons why it can happen.   It is important to keep in mind that no matter how long the relationship with your advisor has lasted, it is your money, and you have the right to do what is right.  In this episode of the Secure Your R...

Do you have a plan to buy or sell a property in a hot market? Understandably, that you may want to invest in real estate in a hot market as part of your retirement planning or sell to invest elsewhere.  When consulting a realtor or a listing agent, you need to get clear with your needs to set the expectations and get through the process.  In this episode of the Secure Your Retirement pod...

What should you have on your retirement planning team? We believe that your retirement planning should be a team environment to give you that peace of mind that you want. A financial plan is crucial for your retirement plan, but in addition, there are other things that you need to be in place.  In this episode of the Secure Your Retirement podcast, we cover why you need to have a team approac...

Have you been thinking of owning a rental home as part of your retirement plan? What is the best way to buy a rental property with a positive income and that can be affordably managed? When buying a rental property, you want to buy a property that will start making money for you without having to wait for years. Purchasing an off-market rental property will allow you to start making positive incom...

Do you need life insurance in retirement or not? What type of life insurance would best suit you? Whatever your stance is regarding whether or not you need life insurance, this episode will help you understand even more. There are different types of insurance and each one is meant to serve different purposes in your retirement plan.  In this episode of the Secure Your Retirement podcast, we c...

Do you have a burning retirement question that you’d like to know the answer to?  In this episode Secure Your Retirement, we tackle five questions that we frequently get asked by clients or listeners just like you. We cover questions on the ongoing inflation, tax in retirement, and even on life insurance. Listen in to learn what you need to be planning for when it comes to retirement planning...

Have you seen or heard about a Robo-Advisor? What is a Robo-Advisor, how does it work, and should you consider it? A Robo-Advisor is a computer that’s going to manage your investments for you operating on your instructions, but not necessarily looking out for the best opportunities. It is basically a passive investment that doesn’t give you the hands-on touch that a human advisor would.  In t...

Do you want to live in abundance in all areas of your life without constantly doubting yourself? Have you given thought to how you can liberate your retirement? To achieve liberation in your retirement or retirement planning, you have to let go and let in. You have to create your map of reality so that you’ll go from dependent land to independent land. To become independent, you will have to chang...

Have you thought of how you can have a successful retirement plan? We usually talk about how to secure your retirement but how do you do that successfully? There are four components of having a successful retirement plan with the foundational one being a good financial plan. You want to have peace of mind at the end of the day knowing that your future is not only secured, but also successfully so....

Is traveling one of the things you’re thinking of doing after the pandemic? To get out there and experience life as we used to know it before Covid? How do you do that without breaking the bank with the current economic environment? Affordable traveling has increasingly gained popularity in recent times, and it’s only right that create those memories and experiences through travel. This even as yo...

Have you been thinking about investing in cryptocurrency? Is cryptocurrency safe for your retirement plan?  Before investing in anything, especially something as new as cryptocurrency, it is crucial to understand and think about its risks. Cryptocurrency is currently volatile and risky and you must be willing to lose it all when investing. In this episode of the Secure Your Retirement podcast...

Have you ever thought of what your life will look like after retirement? Life after you’ve accomplished your bucket list and have done all you dreamt of doing after you retired? You don’t have to become old and decrepit after you retire, you can still live healthily, successfully, and vibrantly. You can still have goals that you work on backward to help you achieve your purpose. In this episode of...

Have you heard of the Exchange Traded Fund or an EFT?  An ETF is a stock of stocks but is bought and sold like an individual stock. It is a valuable, efficient, and evolving investment method to consider as part of your retirement plan. You might be asking yourself ‘what makes an ETF that attractive?’ or ‘what is the difference between an ETF and other investment methods?’ In this episode of...

How do you like the Secure Your Retirement podcast so far? How has this podcast impacted your financial knowledge since you started listening? It’s been a year for us since we started this podcast, and we can’t help but be thankful for what it has become. We started with the purpose of educating you about finances and retirement planning, but we became even bigger and better. In this episode, we r...

Has the question of “How Do Financial Advisors Get Paid?” ever crossed your mind? This is a very important question to ask your financial advisor or the one you intend on hiring.  There are three ways through which financial advisors get paid; commission, fee-only, and fee-based. You need to get that information upfront as the client to understand how things work.  Which of the three is...

Have you ever heard of the term ‘Medicaid’ or ‘Medicaid Planning’? And do you qualify for it? As you start to approach age 65, you should more and more be thinking of Medicaid Planning. Medicaid is a government medical care insurance for people who need assistance and is limited to people who are 65 years and above or are disabled. It is important that as you plan your retirement, you do Medicaid...

How do you protect your investment from possible investment fraudsters, A.K.A Bernie Madoff?  We’re sure that the last thing you want is getting ripped off your investment that you’ve probably set aside as your retirement plan, right? It is very important that you be extra careful when approaching an advisor to protect your money and future. Keep in mind that the role of your advisor is to ad...