En iyi Benjamin Brandt Cfp podcastleri (2024)

1
Don’t be Rattled by RMDs, Ep #372 22:48

3d ago22:48

22:48

Are you feeling rattled by Required Minimum Distributions (RMDs)? We’re here to help. Today we get deep into managing RMDs as we explore an article by Pam Krueger from Kiplinger’s. I outline the complexities of RMDs, share strategies to minimize tax impacts, and talk about how to craft a "perfect RMD" strategy. Plus, I’ll dig into why so many retir…

1
Take Advantage of Your Peak Deduction Years, Ep #371 24:58

10d ago24:58

24:58

Are you sure you're making the right call when deciding between Roth and traditional retirement accounts? A recent article on the Michael Kitsis blog started a debate into why, during your peak earning years, contributing to traditional pre-tax accounts might actually make more sense—even if tax rates rise in the future. I’m going to break down why…

1
Who Pays More when the Tax Cuts Expire? Ep 370 18:43

17d ago18:43

18:43

What could happen to our taxes if the 2017 Tax Cuts and Jobs Act (TCJA) expires in 2025? This week, we explore a Wall Street Journal article analyzing the TCJA’s potential expiration and its varied impacts across the U.S. from coast to coast. These tax cuts, enacted under President Trump, included reductions across multiple income brackets, increas…

1
Retirement Income Worries Often Overblown, Ep 369 22:29

24d ago22:29

22:29

Are you actually prepared for how upcoming tax law changes could impact your retirement? I analyze insights featured on the Nerd’s Eye View blog, focusing on key tax strategies for retirees. With the potential 2025 sunset of the Tax Cuts and Jobs Act approaching, potential changes in marginal tax rates, personal exemptions, and deductions could sig…

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The Closest Thing to a Sure Thing, Ep 368 26:42

1M ago26:42

26:42

Are index funds really the "sure thing" in investing, or do our emotions get in the way? To help answer that question, we’re going to talk about a Wall Street Journal article by Jason Zweig, which demonstrates the simplicity and challenges that come with investing in index funds. While these funds are designed to replicate the market at a low cost,…

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Lessons From Another ‘Faux-tirement’, Ep #367 22:15

1M ago22:15

22:15

How can we better prepare for a successful retirement? We’re exploring the lessons from a recent article by Christine Benz of Morningstar, where she reflects on her six-week sabbatical and how "mini-retirements" can help us test the waters before we fully retire. We talk about how the luxury of unscheduled time, balancing purpose, and the importanc…

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Six Lessons From Six Years of Retirement (from Fritz Gilbert’s Retirement Manifesto), Ep # 366 18:29

1M ago18:29

18:29

Are you actually prepared to navigate the complexities of retirement? We’re exploring Fritz Gilbert’s Six Lessons From Six Years of Retirement, shared from his blog The Retirement Manifesto. One by one, we’ll walk through these lessons, keeping in mind that retirement is an evolving journey, not a static experience. For those who still need to opti…

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Freedom or Free-fall (Tom’s Story), Ep 365 17:55

2M ago17:55

17:55

Retirement is not just a transition from work to leisure. It’s a continuous journey of self-discovery. We explore the story of Tom, who reflects on the emotional and financial challenges he faced after leaving a successful career. From adjusting to a fixed income to finding new ways to matter outside of his career, Tom’s experiences give us valuabl…

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How Does Inflation Impact Retirement? Ep #364 18:39

2M ago18:39

18:39

You know inflation is something to consider in retirement, but how much should you worry about it? On this episode of Retirement Starts Today, we’ll explore an article from Of Dollar and Data that dives into the nitty gritty of inflation by analyzing three hypothetical retirement scenarios. Learn how to plan for any eventuality so that you can bett…

1
Permission to Spend in Retirement, Ep #363 24:46

2M ago24:46

24:46

In retirement, retirees make the big switch–drawing on savings rather than contributing to them. This is often when the trouble comes–the psychological hurdle comes when it’s time to start spending your hard-earned savings. In this episode, you’ll learn how to understand the mental barrier that comes with the big switch and learn strategies to over…

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How Do You Know It’s Time to Retire? Ep #362 20:54

2M ago20:54

20:54

Knowing when to retire is not just an economic decision; it’s highly personal. In an era where your work is with your identity, deciding when to retire can feel monumental. So how do you know when the time is right? That’s what we’ll explore in today’s episode. In addition to discussing this retirement headline, Bret Mulvaney joins the show again t…

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Tightwads vs Spendthrifts, Ep #361 18:32

3M ago18:32

18:32

Do you feel pain when spending money? Or perhaps it’s the opposite, and you spend a little too freely without much thought, pain, or remorse? In this episode of Retirement Starts Today, we’ll explore an article on how to make the most out of retirement by trying to land somewhere in the middle of the spending spectrum. Whether you find yourself to …

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5 Common Portfolio Mistakes, Ep #360 21:50

3M ago21:50

21:50

It’s easy to make mistakes in your investment portfolio, but as you get closer to retirement, it becomes more important than ever to make sure you are maximizing your financial health so that you can achieve your long-term goals. In this episode of Retirement Starts Today, we’ll take a look at an article written by Christine Benz which highlights s…

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Super-Savers Confidence Score, Ep #349 16:12

3M ago16:12

16:12

What would you say your retirement confidence level is? If you’re like many super-savers, it may be surprisingly low. In this episode of Retirement Starts Today, we’ll explore an article from Investment News that dives into a phenomenon where wealthier Americans who are confident in their money management skills still feel shaky about retirement an…

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How to Avoid This IRS Penalty, Ep # 358 15:40

3M ago15:40

15:40

We may think of many things when it comes to rising interest rates, but often we fail to understand how that could lead to rising IRS penalties. In this episode of Retirement Starts Today, we’ll take a look at an informative article from the WSJ about how to avoid rising IRS penalties. Make sure to stick around for the listener questions segment wh…

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My Ex Has Your Inheritance… Ep # 357 17:45

4M ago17:45

17:45

When was the last time you checked your beneficiaries on your retirement account? After listening to today’s episode, I guarantee you’ll be logging in to verify. In the retirement headlines segment, we’ll check out a Yahoo Finance article titled ”They Broke Up In 1989, But Now His Ex-Girlfriend Is Inheriting His $1 Million Retirement Account After …

1
I Just Retired. Why Am I Unhappy? Ep #356 23:05

4M ago23:05

23:05

While, for some people, the transition to retirement goes perfectly smoothly, that’s not the case for everyone. Most of us are counting the days until retirement. We’re excited by all the prospects this new stage in life will bring. However, some people struggle with the change. In this episode of Retirement Starts Today, we’ll look at a common iss…

1
Semi-Retire to Spend More $$$?! Ep #355 15:08

4M ago15:08

15:08

It’s no secret that I want you to spend more money in retirement. Why? Because you’ve worked for it! Retirement is about living the life that you have saved for all these years, so I’m looking for any way I can find to help you get out there and enjoy it. One way that has been gaining popularity in recent years is semi-retirement. In this episode o…

1
How To Spend Your Money To Maximize Happiness, Ep # 354 17:38

4M ago17:38

17:38

We’ve all heard the saying, “Money can’t buy happiness.” However, research suggests that while money may not buy lasting joy, it can certainly enhance our lives if spent wisely. The key lies in how we spend our money. On this episode of Retirement Starts Today, we’ll explore a recent article on spending money to maximize your happiness. Stick aroun…

1
Your AI Retirement, Ep #353 22:04

5M ago22:04

22:04

By now, we’ve all heard of AI, but many people still have mixed feelings about this revolutionary tool. Since I’ve been using it in my life on a daily basis, I have been wanting to share how you all can use AI to help with retirement planning. When I came across this article from Business Insider, I knew I found my opportunity. Even if you’ve never…

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Social Security's 'Biggest Myth' & Jury Duty Scams, Ep # 352 25:33

5M ago25:33

25:33

Many factors should come into play when deciding when to take your Social Security benefit but doomsday headlines shouldn’t be one of them. On this episode, you’ll hear how Social Security’s biggest myth is costing retirees a lot of money. Don’t get caught unaware! Make sure to stick around until the end to hear about a jury duty scam that even I h…

1
Is the 4% Rule Too Safe? Ep #351 21:45

5M ago21:45

21:45

The 4% rule is the “golden rule” of retirement planning. Everyone is familiar with it and it’s easy to work out for some quick, back-of-the-napkin math. Since it is so easy to calculate and implement, many use it as their retirement withdrawal rule. However, this approach may be overly conservative. While using a significantly higher withdrawal rat…

1
Gold and Groceries, Ep #350 16:33

5M ago16:33

16:33

Did you know that you can buy gold at your local Costco? However, just because it’s easy to buy doesn't mean it’s easy to sell. In this episode of Retirement Starts Today, we’re exploring gold and its role in your retirement portfolio. To do that, we’ll take a look at a retirement headline from WSJ and i’ll share my thoughts on the latest gold rush…

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Risk Management: Spring Client Meetings, Ep #349 29:13

5M ago29:13

29:13

Risk is what is left over after you think you’ve thought of everything. – Carl Richards Getting to financial independence is job #1, but staying financially independent comes a close second. To do so you’ll need to be aware of the risks that could empty your accounts. Being vigilant of these risks and having a plan to work through or avoid them cou…

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Spend More Money! Ep #348 17:13

6M ago17:13

17:13

There are two ways you can ruin your retirement: running out of money and dying with regret. If you are listening to this podcast, chances are, you’ve been a diligent saver and probably aren’t in danger of the first one. That’s why, today, we’re exploring an article from the White Coat Investor on ways to spend more money. Don’t risk ending your da…

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Medicare Mistakes, Ep #347 20:06

6M ago20:06

20:06

It can be easy to forget your age as the birthdays roll around. However, when you’re about to turn 65 you’ll know. Medicare and all of their relevant service providers won’t let you forget. You may feel inundated with the amount of mail, emails, and even phone calls and text messages, but rather than ignoring all the excess information, it’s import…

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The Four Unique Risks in Decumulation, Ep #346 21:00

6M ago21:00

21:00

You’ve been accumulating your savings your entire life, but when the time comes to draw down your investments, there are new risks. In this episode, we’ll discuss four risks that come with the decumulation phase of retirement. Press play to learn how to avoid these risks in retirement. Are you looking for a new advisor? One of our listeners is look…

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More Muscles = Better Retirement, Ep #345 16:10

6M ago16:10

16:10

A lot of us are looking to get in shape in retirement. This is a good thing since part of living an even better retirement is looking after your health and muscle mass. Staying healthier and more active longer will ensure that you are making the most out of your retirement. In addition, maintaining a healthy muscle mass is a huge part of keeping yo…

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Index Funds Have Officially Won, Ep #344 16:27

7M ago16:27

16:27

Do you have index funds in your portfolio? Chances are you do! Our retirement headline today describes the rise of index funds over active funds and why that’s important. Discover how index funds connect with my investment philosophy by pressing play now. Outline of This Episode [1:22] Index funds have grown exponentially over the years [2:23] What…

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The 529 to Roth IRA Rollover, Ep # 343 17:45

7M ago17:45

17:45

Recent legislation has made everyone’s favorite college savings plan a little more flexible. Funds in a 529 plan aren’t as locked up as they used to be now that your children’s unused college funds can be rolled into a retirement account. In this episode, we’ll discuss an article from the White Coat Investor which explores how the 529 can be rolled…

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The 4 Phases of Retirement, Ep #342 19:49

7M ago19:49

19:49

It may be easy to define success in your working career, but defining success in retirement can be more difficult. What does success look like in retirement? What will you do daily or weekly to get the most out of your retirement? In this episode of Retirement Starts Today, we’ll explore a TEDx talk about the 4 phases of retirement that many (but n…

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A Short History of the 60/40 Portfolio, Ep #341 23:26

7M ago23:26

23:26

Due to last year's poor market returns, you’ve probably seen the headlines that the 60/40 portfolio is dead. But is that really the case? This week’s retirement headline explores the history of this classic retirement investment strategy. After we tackle the headlines, Bret and I team up to consider the best places to move in retirement. Listen in …

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8 Ways to Become Poor in Retirement, Ep #340 20:58

8M ago20:58

20:58

There are many ways that could threaten your financial security in retirement. Knowing the common issues can ensure that you don’t fall into the traps. Today’s financial headline comes from Yahoo Finance and is called 8 Ways Baby Boomers Become Poor in Retirement. Listen in to learn what they are so that you don’t drive yourself into the poorhouse.…

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More Than Half of Americans Want to Retire Gradually, Ep #339 21:59

8M ago21:59

21:59

We all want to retire, but have you considered how you would like to transition to retirement? This week’s retirement headline article shares some interesting statistics on phased retirements: who is thinking about them, who is utilizing them, and what people think about them. Listen in to learn the findings. Then stick around for our listener ques…

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The Retirement Crisis That Wasn’t, Ep #338 16:49

8M ago16:49

16:49

Once upon a time, there was a prediction that the baby boomer generation would face a retirement crisis. So how did this gloom and doom projection turn into the wealthiest generation in history? Listen in to find out. Make sure to stay tuned for the listener question: What is the best way to fund a large expense without a large tax bill? Outline of…

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Using Guardrails For The 4% Rule, Ep #337 22:33

8M ago22:33

22:33

You’ve heard of the 4% rule, and if you’ve listened to this podcast before, you’ve heard of Guyton’s guardrails strategy. But have you ever heard of using them together? Today’s retirement headline explores this idea. Overall, the article highlights the importance of considering sequence-of-returns risk in retirement planning and adopting flexible …

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The Challenges of Retiring from a High-Powered Job, Ep #336 19:34

8M ago19:34

19:34

Is it possible to suddenly step away from a high-powered job and into a life of leisure? This may not be the best idea for your retirement if you work at the executive level. In this episode of Retirement Starts Today, we’ll explore an article from Harvard Business Review that outlines several pitfalls that could come with retiring from a high-powe…

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5 Expenses Retirees Wish They Spent More Money On, Ep # 335 22:37

9M ago22:37

22:37

There are two ways to mess up retirement: run out of money or die with regret. Oftentimes, people in the retirement space only focus on the running out of money part. In an effort to help you live an even better retirement, today’s retirement headline discusses the regret part. Join me to learn five expenses that retirees wish they had spent more m…

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2 Social Security Mulligans, Ep # 334 17:34

9M ago17:34

17:34

If you want to spend more money in retirement you’ll want to understand how to maximize your Social Security benefits. Many people think that there is no going back once you’ve decided to collect your Social Security benefits. However, today’s retirement headline discusses two options in case you’d like a do-over. In our listener question segment, …

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Save Money with These Tax Tips, Ep #333 20:44

9M ago20:44

20:44

Tax season is here so when I found this article from Morning Star to share some tax tips for you. Your tax bill will be the largest bill you pay in retirement. If you want to reduce it, make sure to press play. Helping clients save money on taxes and avoid common investment mistakes is an important task for financial planners. If you don’t have a f…

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A Tax Break Worth the Hassle, Ep # 332 18:10

9M ago18:10

18:10

Some tax breaks aren’t worth the hassle of pursuing them, however, today’s example is definitely worth the hassle! If you are charitably minded you’ll want to listen to learn about the advantages of making qualified charitable distributions. Discover how to increase your standard deduction while enjoying charitable tax benefits. Stick around for th…

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We Need to Talk About Your Retirement Spending, Ep #331 17:49

10M ago17:49

17:49

Planning retirement spending is tough to do since there are so many unknowns. Many people tend to take a fear-based approach and rely on the 4% rule. Some even take a step further and spend less of their nest egg. Today’s Retirement Headline urges you to take a different approach. Listen in to hear what the article advises and my thoughts on the ma…

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I Don’t Want To Be Old When I Am Old, Ep # 330 16:09

10M ago16:09

16:09

I don’t know about you, but I want to stay active and healthy for as long as possible. That’s why when I saw this Forbes article I knew I wanted to share it with you. If you want to learn how to age gracefully and maintain your vitality, you won’t miss this episode. Then, stick around to hear my answer to the question: why do some people have a har…

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Lessons Learned from Fall Tax Meetings, Ep #329 19:39

10M ago19:39

19:39

As you probably know by now, Bret and I are here to help you spend more money and spend less in taxes so that you can live an even better life in retirement. This week we’re helping you do that by sharing some lessons that we learned from our clients’ fall tax meetings. If you enjoyed our Lessons in Estate Planning episodes last spring, you’ll love…

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How to Pay 0% on Capital Gains [Rebroadcast] 16:39

10M ago16:39

16:39

Would a 0% tax rate help you live an even better retirement? In this week’s Retirement Headline, we’ll explore a WSJ article titled How You Can Grab a 0% Tax Rate. If that doesn’t pique your interest, I don’t know what will! Listen in to hear how you can learn to plan so that you can take advantage of a 0% tax rate on capital gains income. This epi…

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3 Tricks to Help Retirees Spend More [Rebroadcast] 18:58

11M ago18:58

18:58

If you have diligently saved throughout your career, you may be ready to retire, yet still feel uncertain about spending your savings. To truly live your best life in retirement you need to learn how to shift from a saving mindset to a spending mindset. In this episode of Retirement Starts Today, we’ll help you do just that. This episode was first …

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12 Reasons to Rent in Retirement [Rebroadcast] 22:17

11M ago22:17

22:17

One of the greatest financial assumptions is that it’s always better to own than to rent. However, in retirement, this may not be true. Once you are financially independent it is important to realize that not every dollar you spend needs to yield a return. Join me for this episode of Retirement Starts Today to question traditional thinking and to s…

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A Few Simple Tricks Turn Humble HSAs Into Wealth Builders [Rebroadcast] 18:08

11M ago18:08

18:08

Do you have an HSA? If so, do you simply use it to pay for your medical expenses? Or do you use it as a way to build your wealth? Today we’ll look at an article from Financial Advisor Magazine that will help us identify opportunities for wealth creation. Listen in to learn how to maximize the triple benefit of the humble HSA. This episode was first…

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The Puzzling Gap Between How Old You Are and How Old You Think You Are [Rebroadcast] 14:52

11M ago14:52

14:52

We are spending some extra time off from the podcast over this holiday season to spend time with family. I hope you're using this opportunity to spend some time with family as well. I've gone through my favorite episodes of 2023 to bring you some fantastic rebroadcasts. So here's one and I hope you enjoy it! The Puzzling Gap Between How Old You Are…

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Spend Your Principal! Ep #323 20:04

12M ago20:04

20:04

Most people are worried about spending too much and running out of money in retirement. However, few people worry about spending too little. In this week’s episode of Retirement Starts Today, you’ll learn why you should spend your principal in retirement. Our retirement headline comes from Dr. Jim Dahle at the Whitecoat Investor and shows us why ma…

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