Secure Your Retirement

Are you considering taking that complimentary call and possibly working with us? Here at Peace of Mind, we have a well-curated system from the first meeting we have with a potential client to the actual job of managing their financial retirement plan. In this episode of the Secure Your Retirement podcast, we take you through our process and the four steps to secure your retirement. Listen in to le...

Have you heard of I bonds and are wondering how they can work for you? An Inflationary bond is an interest-earning bond issued by the government. Even though the money market isn’t looking very attractive right now, I bonds seem attractive and are as of today paying up to a 9.62% rate of return. In this episode of the Secure Your Retirement podcast, we talk about I bonds, what they are, and how th...

How in control are you of your spending? Have you ever considered living a frugal lifestyle? Frugality is about being conscious about your spending and being a good steward of your resources. When you know what you want out of your life, conscious spending and setting boundaries become easier. In this episode of the Secure Your Retirement podcast, Jen Smith explains how to get control of your spen...

If you don’t have Medicare all figured out, you’re not alone. Medicare is very complicated to understand and even get into. It is important that you start planning to enroll in Medicare in a timely manner, that is, before turning 65. But it’s not necessary for everyone, some people can completely defer Medicare depending on individual situations. In this episode of the Secure Your Retirement podca...

Are you noticing that you’re dealing with more stress now that you’re retired or close to retirement? Stress is in itself not inherently bad, but chronic stress is and can lead to chronic illnesses. Becoming aware of how stress is showing up for you and being specific about what’s stressing you are great ways to take away the ambiguity of stress and start taking action. In this episode of the Secu...

Over the last couple of years, we’ve covered many topics on investing and retirement planning. We have a whole library of information on any topic that you can think of. In this episode of the Secure Your Retirement podcast, we share information on where you can find the episodes, you’re looking for over a glass of Erath Pinot Noir wine. We explain the different episodes under different categories...

How do you keep your home and online space secure? Are you proactive in the steps you take to avoid fixing any damage?  It’s important to understand the real threats that your family can face and how to be proactive about your security. The first step you should take towards your home security is making your home an unattractive target to the bad guys. In this episode of the Secure Your Retir...

If you have Osteoporosis or are exposed to its dangers, maybe it’s time you consider a comprehensive treatment approach. Osteoporosis is the diagnosis of having poor bone quality and quantity. Its treatment includes lifestyle changes that can help you prevent, slow down, or reverse the disease and enjoy your retirement. In this episode of the Secure Your Retirement podcast, we have Dr. Doug Lucas,...

How do you keep your finances safe in a world where cybersecurity has become a household term? In a world where we’re performing most of our tasks online, it is important to be aware of the innovation of cyber fraud and hacking and how to stay safe. It is crucial that your mobile devices stay encrypted, updated, and with good threat detection to avoid virus infection from malicious sites. In this...

How does inflation affect your retirement? We’re currently experiencing high inflation due to a number of reasons and it’s only wise to know how to plan for it in retirement. In this episode of the Secure Your Retirement podcast, we talk about the current inflation rate, its causes, and how to protect yourself in retirement over a glass of Chardonnay la crema wine. We explain why the current infla...

Are you committed to having a tax-planning conversation outside the tax season? The only way to win in the tax game is to have a proactive approach when it comes to tax planning. It’s important to be committed to having some kind of tax-planning conversation on any topic, especially with a professional outside of the traditional tax period. In this episode of the Secure Your Retirement podcast, we...

Do you understand the difference and similarities between 401ks and IRAs? How can you make the two or one make sense for you as your retirement plan? Both 401ks and IRAs are set up to encourage you to plan for your retirement, and you should have an analysis and a conversation on which one is good for you. But when you have the opportunity, moving from a 401k to an IRA gives you more flexibility a...

When it comes to taking your money out of your IRAs and 401ks after retirement age, you might need to understand the terms RMDs and QCDs. At age 72, you’re required to start taking distributions out of your 401k and IRAs with a formula based on your life expectancy. The key here is to be tax-efficient or even go tax-free in any way you can without breaking the law. In this episode of the Secure Yo...

When it comes to estate planning, some things are essential and required at all times to simplify the process for your family when you’re no longer here. In this episode of the Secure Your Retirement podcast, we talk about the 6 essential and required things you need to consider when estate planning over a glass of Raphael Prosecco sparkling wine. We explain the purpose and importance of having do...

Why would cash be able to beat other types of investments? When dealing with a volatile market like we’re currently experiencing, cash can become an important asset class. Going to cash means selling investments and putting the money on temporary hold as you evaluate the markets. It’s basically a movement to a safety method as you evaluate the market, waiting to redeploy your money when the market...

Did you know that you can legally and ethically avoid paying unnecessary taxes by working with the tax code? With tax planning, you can avoid tax risk. Tax preparation is about being reactive while tax planning is about being proactive all year round every single year. Tax planning years in advance when done correctly, can massively change how much you pay in taxes. In this episode of the Secure Y...

Have you given thought to how you’d like to structure your retirement plan? How about a strategy that ensures you have both income and growth in retirement? The bucket strategy is a simple strategy that will give you peace of mind through your retirement. The goal for your retirement should be to have access to money, an income stream, and growth on your money. In this episode of the Secure Your R...

How conscious are you about what you eat? Your health is indeed your wealth; staying healthy is one of the best financial strategies you can have. Eating for health and wealth means eliminating sugar and bad ingredients from your diet and choosing to eat whole plant-based foods.   In this episode of the Secure Your Retirement podcast, we have Lynne Bowman, author of the Brownies for Brea...

We understand that social security isn’t the most exciting topic to talk about or listen to, but some questions need answers. In this episode of the Secure Your Retirement podcast, we answer 3 major questions on social security over a glass of Rosé wine. We talk about social security benefits, taxes, and the right time to take social security. Listen in to learn why you need an individual financia...

Are you aware of the things you can opt-in or not when it comes to your Medicare plan? It is important that you get enrolled in Medicare 3 months before turning 65 to avoid any delays caused by the existing backlog. When it comes to Medicare, there’s part A which covers everything that happens in the hospital, and part B, which covers anything outside the hospital. In this episode of the Secure Yo...

Have you heard of the 60/40 portfolio? This means that 60% of your investment money goes into stocks, and 40% goes into bonds. This is fast changing in today’s world of high-interest rates, and the bond market is increasingly becoming hard. But how about a bond alternative? In this episode of the Secure Your Retirement podcast, we talk about the changing world of bonds and the importance of bond a...

Have you ever thought of investing in real estate outside of the US market, specifically in Panama? What if you learned that it’s a booming real estate market that’s only getting better? Investing in Panama can be easy, affordable, and suitable for anyone planning to relocate to Panama or add to their real estate portfolio. In this episode of the Secure Your Retirement podcast, we have Evie Brooks...

What are your burning questions about your retirement planning and the market volatility of 2022? We’re experiencing a high inflation rate in 2022 as we try to recover from the 2020 pandemic damage and other factors. How does this situation affect your retirement portfolio? What should you do or not do? In this episode of the Secure Your Retirement podcast, we answer 3 questions on investing in 20...

Are you torn between investing in a mutual fund or an ETF? Both mutual funds and exchange-traded funds (ETFs) are alike in many ways but also have a few differences. They both make investing very easy and represent diversification. In this episode of the Secure Your Retirement podcast, we talk about the differences between a mutual fund and an ETF. Listen in to learn why ETFs are more efficient an...

When it comes to assisted care living, there are other alternatives much better and more affordable than the big facilities. The adult family care home is an affordable form of assisted living, where the homeowner lives with their residents and offers them a more personalized type of care. It is also a great venture to start as part of your retirement plan to help you gain financial stability. In...