Secure Your Retirement

In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Jessica Iverson about long-term care options to consider as part of the retirement plan. Jessica is a long-term care expert in long-term care planning and wealth management. Listen in to learn how long-term insurance has evolved from standalone to asset-based long-term care insurance policies and the benefits of these...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss fourteen common practices to help you protect yourself against cyber security threats. The purpose of this isn’t to scare you but to empower you to be on the internet safely. Listen in to learn the importance of having strong and complex passwords for your home and office networks and avoid using one password for multipl...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the 2023 Medicare Part B and D IRMMA surcharges. They explain the modified adjusted gross income and the 2023 surcharges if you earn more than $97k single or $194k married filing jointly. Listen in to learn about the income-dropping circumstances the IRS considers when exempting anyone from the Medicare IRMMA surcharges....

In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Andrew Opdyke about a 2023 mid-year economic update and the future. Andrew is a Certified Financial Advisor and Economist at First Trust Advisor. Listen in to learn the expected and unexpected turn of events in the economy today and why inflation might not allow for rate cuts this year. You will also learn about the t...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Jon Ostenson about the benefits of starting a franchise as part of your retirement plan. Jon is a Certified Franchise Consultant, owner/investor, author, and international speaker specializing in non-food franchising. He discusses the misunderstandings and lack of knowledge he found around franchise opportunities outs...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the similarities and differences between annuities and CDs and the best one for retirement planning. In as much as CDs and fixed index annuities are similar, CDs are best suited for short-term investments, while annuities are best suited for long-term investments. Listen in to learn about interest rate risk or reinvestme...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss ten advantages to a Health Savings Account (HSA) and why you need to know them. A Health Savings Account is a valuable medical and long-term retirement planning tool with more than just tax benefits. Listen in to learn how to let your HSA contributions grow and invest the money over time for future use as an asset. You w...

In this Episode of the Secure Your Retirement Podcast, Murs discusses how to approach a retirement withdrawal strategy when you have enough to retire early. He explains the importance of having a financial professional to help you with the withdrawal strategy to avoid the stress of the deaccumulation phase. Listen in to learn the importance of starting a withdrawal strategy in the first few years...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the different retirement things to consider if your spouse passes away. They explain how to approach cash flow, estate settlement, insurance, tax, and investment and assets issues. Listen in to learn the importance of knowing how much you’re spending, where that money comes from, and what changes will happen after a spou...

In this Episode of the Secure Your Retirement Podcast, Radon, Nick, and Taylor discuss the importance of mid-year tax planning. It’s important to look at the previous year’s tax situation because some things, like Roth conversions and qualified charitable distributions, need to be done before the end of the year in order to be reported on your tax returns. Listen in to learn the importance of comi...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss long-term care, how it works, and your options. If you want to know and understand what long-term care may cost you in the future, you must first understand the actual cost of long-term care. Listen in to learn about assisted living services for long-term care that involve more than a nursing home. You will also learn ab...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how Rule 100 applies to retirement planning risk management. The conversation around risk is extremely important for you to have an investment structure you’re comfortable with. Listen in to learn why investment risk is subjective and should be looked at as an individual. You will also hear us perform an exercise to help...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss managing investment risk in volatile markets using the active management strategy. An active management strategy is not superior to the buy-and-hold investment strategy, but it is a great way to reduce risk in volatile markets. Listen in to learn how we use data/numbers to identify and align with the best asset classes t...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the important financial planning milestones that happen at different ages. These are things you should be thinking about and preparing for before getting to retirement. Listen in to learn about the different financial milestones that happen in the life of a child from birth all the way to retirement. You will also learn...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss why you need a HIPAA form as part of your overall estate plan package. A HIPAA form is a simple document to put together and is recognized for protecting your personal health information, giving you privacy. Listen in to learn how your HIPAA Authorization can connect with your living will or health care power of attorney...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the issues to consider before you retire. Sometimes, you get the luxury of deciding when to retire, and sometimes you don’t, but either way, you always want to be thinking about the elements when it comes to retirement planning. Listen in to learn the importance of understanding your cash flow needs and budget and buildi...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the “bunching” charitable contributions strategy and how it can help you maximize tax benefits. They explain why bunching contributions strategy for 2-3 years is a powerful tool in helping you take advantage of standard deductions.  Listen in to learn how to bunch your charitable contributions into one year using th...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Andrew Opdyke about an update on the state of the economy of the first quarter of 2023. Andrew discusses the divergence within the economy, the issues with the banks, the recession and market volatility, and much more. Listen in to learn why you shouldn’t worry about the US debt ceiling and its impact from a market st...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the five different things to consider when it comes to withdrawing your retirement money. To successfully establish an income stream in your retirement, you must be strategic when taking money from the retirement accounts you’ve built over the years. Listen in to learn how to determine your spending during retirement and...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the importance of reviewing your beneficiary designation annually. Always checking your beneficiaries in all your accounts and updating your beneficiary forms is the only way to avoid putting your loved ones in difficult scenarios. Listen in to learn the importance of naming contingent beneficiaries after your primary be...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs speak with Heather Schreiber about social security spousal benefits and how it works.  Heather is a retirement income strategist, speaker, writer, and educator of financial, legal, and tax professionals. Listen in to learn how spousal income works for couples with wide disparities in income benefits. You will get the full p...

In this Episode of the Secure Your Retirement Podcast, Nick and Taylor return to talk about the retirement plan implementation after the initial process. When you decide to be our client, we ask for all the information needed to open your account with our custodian Charles Schwab. Listen in to learn what the transfer process of your investments from your current custodian to Charles Schwab looks l...

In this episode of the Secure Your Retirement podcast, Radon and Murs discuss the question of whether you can retire at age 66, using a specific example from an article in Market Watch. They provide insights and advice on retirement planning and financial management. If you’re feeling anxious about whether it’s time for you to retire or not, you’re not alone. Retirement planning can be a nerve-wra...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the importance of having a trust as part of your retirement plan with Andres Mazabel. Trust & Will provides an “easy and secure” way to create estate plans and settle estates online, with the ability to customize legal documents. A trust is a legal agreement that helps you secure whatever legacy means to you when you...

In this Episode of the Secure Your Retirement Podcast, Radon and Murs have Denise Appleby to discuss how the Secure Act 2.0 can affect your retirement plan. Denise is the CEO of Appleby Retirement Consulting Inc., a firm that provides IRA tools and resources for financial and tax professionals. She explains the good provisions of the Secure Act 2.0 that benefit domestically abused spouses, termina...