Sequence of Returns Risk With Investing Near/In Retirement

Retire Ready with Kyle Hammerschmidt

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المحتوى المقدم من Kyle Hammerschmidt. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Kyle Hammerschmidt أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

<div class="span index">1</div> <span><a class="" data-remote="true" data-type="html" href="/series/standup-comedy-your-host-and-mc">Standup Comedy "Your Host and MC"</a></span>

1
Standup Comedy "Your Host and MC"

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منذ 4 أياممنذ 4d ago

إلغاء الاشتراك

أسبوعيا+

Celebration of 40+ years on the fringe of show business. Stories, interviews, and comedy sets from standup comics... famous, and not so famous. All taped Live on my Comedy stage. The interviews will be with comics, old staff members, and Friends from the world of Comedy. Standup Sets by Dana Carvey, Jay Leno, Tom Dreesen, Jerry Seinfeld, Larry Miller, Mark Schiff, Bobcat Goldthwait, Paula Poundstone, Garry Shandling, Ray Ramano, Cathy Ladman, Willie Tyler & Lester, and MORE. My web site has many pictures, items for sale, and more information www.standupcomedyyourhostandmc.com

منذ عام واحد 20:46

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This episode goes into the intricacies of investing in retirement, focusing on long-term S&P growth, sequence of returns risk, and bucket approaches. It emphasizes the impact of market volatility on retirement income and the importance of strategic investment decisions. The episode concludes with a call to action for seeking professional advice.
Takeaways

Understanding the impact of market volatility on retirement income
The importance of strategic investment decisions in retirement planning
The significance of sequence of returns risk in retirement investing
The value of seeking professional advice for retirement planning

How Long It Takes To Recover Source
2000-2009 S&P 500 Source
2010-2019 S&P 500 Source
2000-2023 S&P 500 Source
S&P 500 Long Term Returns Source

Subscribe to The Retire Ready Weekly Newsletter
Get more information on The Retire Ready Academy
Looking for personalized financial planning? Visit our website
Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.

117 حلقات

#Trading #Business News #Business #News #Kyle Hammerschmidt #Retirement #MOKAN #Financial Planning #Retirement Planning #Retire Ready #Kansas #IRA #401k #Roth

Sequence of Returns Risk With Investing Near/In Retirement

Retire Ready with Kyle Hammerschmidt

published منذ عام واحد

MP3•منزل الحلقة

Send us a text

Understanding the impact of market volatility on retirement income
The importance of strategic investment decisions in retirement planning
The significance of sequence of returns risk in retirement investing
The value of seeking professional advice for retirement planning

How Long It Takes To Recover Source
2000-2009 S&P 500 Source
2010-2019 S&P 500 Source
2000-2023 S&P 500 Source
S&P 500 Long Term Returns Source

117 حلقات

#Trading #Business News #Business #News #Kyle Hammerschmidt #Retirement #MOKAN #Financial Planning #Retirement Planning #Retire Ready #Kansas #IRA #401k #Roth

كل الحلقات

1
Maximize Your Retirement Savings: New 2025 Contribution Limits and Strategies 8:21

منذ 9 weeks8:21

8:21

Send us a text This week on Retire Ready , host Kyle Hammerschmidt breaks down the latest updates and strategies to help you maximize your retirement savings. With big changes to contribution limits thanks to the Secure Act 2.0, it’s more important than ever to stay informed and plan ahead. 🎧 Highlights from the Episode: 🚀 2025 Contribution Limit Updates : Learn about the new limits for 401(k), 403(b), 457 plans, and the federal Thrift Savings Plan—now up to $23,500 (with even bigger boosts for those 60–63). 💼 Catch-Up Contributions : Why these changes are a game-changer for pre-retirement savers and how you can take full advantage. 🏦 IRA Contribution Insights : Uncover the key differences in IRA and Roth IRA limits for 2025, including strategies like the Backdoor Roth IRA for high-income earners. 💡 The Power of Compounding : Why investing consistently, no matter the market, is the key to long-term growth. Kyle's expert tips will empower you to make informed decisions and build a comfortable retirement nest egg. Whether you’re decades away or Connect With Us: Website: https://mokanwealth.com/ Tik Tok: https://www.tiktok.com/@retirewithkyle Instagram: https://www.instagram.com/retirewithkyle/ Facebook: https://www.facebook.com/mokanwealth Retire Ready Academy: https://retirereadyacademy.org/ nearing retirement, this episode is packed with actionable insights. #RetireReady #RetirementPlanning #SecureAct2 #401k #RothIRA #FinancialFreedom Sources: 1. 401(k) limit increases to $23,500 for 2025, IRA limit remains $7,000 | Internal Revenue Service 2. Older Workers to Get ‘Super’ 401(k) Catch-Up Contributions in 2025 - The New York Times 3. Backdoor Roth IRA: Advantages and Tax Implications Explained 4. What the new 401(k) limits and other changes mean for your retirement Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

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Top 5 Reasons to Do Roth Conversions Before Retirement With $1M+ In Retirement Savings 10:14

منذ 10 weeks10:14

10:14

Send us a text In this episode, Kyle, dives into one of his favorite tax planning tools: Roth conversions. If you’ve got over a million dollars saved in your retirement accounts, this could be the most impactful eight minutes of your week. Learn how Roth conversions can transform your retirement savings, offering benefits like tax-free withdrawals, freedom from Required Minimum Distributions, and protection against future tax hikes. Discover how they can help diversify your income, optimize your estate plan, and even lower your future Medicare premiums. Kyle breaks it all down with real-life examples, clear explanations, and actionable insights tailored for those in their 50s or 60s aiming for a work-optional lifestyle. Whether you’re planning for the future or refining your strategy, this episode equips you with the knowledge to decide if Roth conversions are right for you. Subscribe for more tips on navigating your financial journey and unlocking the retirement of your dreams! Connect With Us: Website: https://mokanwealth.com/ Tik Tok: https://www.tiktok.com/@retirewithkyle Instagram: https://www.instagram.com/retirewithkyle/ Facebook: https://www.facebook.com/mokanwealth Retire Ready Academy: https://retirereadyacademy.org/ Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

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Social Security Secrets: What Every Soon-to-Be Retiree Should Know 13:00

منذ 11 weeks13:00

13:00

Send us a text Welcome to Retire Ready, the podcast that simplifies the complexities of retirement planning so you can confidently prepare for your golden years. Hosted by Kyle Hammerschmidt, this show dives into crucial topics like Social Security, retirement income strategies, and the decisions that can make or break your financial future. In this episode, we cover: The basics of Social Security: how it works and how to qualify. The impact of claiming Social Security early vs. delaying benefits. Spousal and ex-spousal benefits: what they are and how to maximize them. The current state of Social Security and the projected 2035 trust fund depletion. Taxes on Social Security benefits and strategies to minimize them. Cost of Living Adjustments (COLA) and how inflation affects your benefits. Tips for maximizing your retirement income with smart Social Security planning. Whether you're just starting to think about retirement or you're nearing the finish line, Retire Ready equips you with the knowledge to make informed decisions and achieve financial peace of mind. Planning your retirement starts now—tune in and take charge of your future! Connect With Us: Website: https://mokanwealth.com/ Tik Tok: https://www.tiktok.com/@retirewithkyle Instagram: https://www.instagram.com/retirewithkyle/ Facebook: https://www.facebook.com/mokanwealth Retire Ready Academy: https://retirereadyacademy.org/ Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

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Understanding the Taxation of Social Security Benefits: What You Need to Know 10:27

منذ 12 weeks10:27

10:27

Send us a text In this episode, Kyle dives into a critical yet often misunderstood aspect of retirement planning: the taxation of Social Security benefits. Many assume these benefits are tax-free, but the reality can be a costly surprise for retirees. Kyle breaks down the basics of Social Security taxation, explains how your income impacts tax thresholds, and shares actionable strategies to reduce your tax burden. You'll learn how to calculate your "combined income," why up to 85% of your benefits might be taxable, and how federal and state rules can differ. Kyle also explores practical approaches like strategic withdrawals, Roth conversions, and the timing of benefits to help you keep more of your hard-earned income. Whether you're nearing retirement, already retired, or planning ahead, this episode is packed with insights to help you make smarter financial decisions and safeguard your golden years. Tune in to gain the knowledge and confidence to maximize your Social Security benefits and minimize your tax liabilities. Ready to take the confusion out retirement? Let’s dive in! Connect With Us: Website: https://mokanwealth.com/ Tik Tok: https://www.tiktok.com/@retirewithkyle Instagram: https://www.instagram.com/retirewithkyle/ Facebook: https://www.facebook.com/mokanwealth Retire Ready Academy: https://retirereadyacademy.org/ Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

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Navigating the Social Security Benefits Application Process 13:06

منذ 13 weeks13:06

13:06

Send us a text Podcast Description: In this episode of Retire Ready with Kyle Hammerschmidt , we’re tackling one of the most critical steps in your retirement journey: applying for Social Security benefits. Whether you're planning to claim at 62, hold out until 70, or fall somewhere in between, this episode has you covered with actionable advice. Kyle breaks down the application process step-by-step, including how to gather the right documents, decide whether to apply online or in person, and track your application once it’s submitted. You’ll also learn how to time your first benefit payment, weigh the pros and cons of withholding taxes, and navigate key decisions that could maximize your benefits. With relatable stories, helpful examples, and Kyle’s signature straightforward style, this episode demystifies Social Security and helps you make informed choices that align with your unique retirement goals. Ready to take the confusion out of Social Security? Let’s dive in! Connect With Us: Website: https://mokanwealth.com/ Tik Tok: https://www.tiktok.com/@retirewithkyle Instagram: https://www.instagram.com/retirewithkyle/ Facebook: https://www.facebook.com/mokanwealth Retire Ready Academy: https://retirereadyacademy.org/ Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

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Married 59: The Road to Retirement in 5 Years | Case Study 20:08

منذ 14 weeks20:08

20:08

Send us a text In this week’s episode, host Kyle Hammerschmidt dives into a detailed case study of "John and Mary," a married couple from Kansas, both aged 59, preparing to retire in five years. Kyle breaks down their financial landscape, including $1.7 million in tax-advantaged retirement accounts, Social Security strategies, and their goals of maintaining their current lifestyle while minimizing lifetime tax burdens. From restructuring investments to navigating Roth conversions, this episode offers valuable insights for pre-retirees aiming to secure their financial future. If you're curious about balancing growth, income, and market volatility in your retirement portfolio, or wondering how to make Social Security decisions that fit your plan, this episode is packed with actionable advice. Connect With Us: Website: https://mokanwealth.com/ Tik Tok: https://www.tiktok.com/@retirewithkyle Instagram: https://www.instagram.com/retirewithkyle/ Facebook: https://www.facebook.com/mokanwealth Retire Ready Academy: https://retirereadyacademy.org/ Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

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Six Point Checklist: Hiring a Financial Advisor for Retirement 10:53

منذ 15 weeks10:53

10:53

Send us a text Planning for retirement is a journey, and choosing the right financial advisor is one of the most critical decisions you'll make. In this episode of Retire Ready, host Kyle Hammerschmidt unpacks the essentials for finding the perfect advisor to guide you through the complexities of retirement planning. 🔑 What You'll Learn: - The Six-Point Checklist: - Fee-only financial advisors and why their transparency matters. - The importance of independence for unbiased advice. - Fiduciary duty and its impact on your financial future. - Tax-focused planning to minimize your retirement tax burden. - Tailored strategies designed for your unique financial goals. - Why your advisor's age and specialization make a difference. - Actionable Tips: How to evaluate potential advisors and align their expertise with your retirement needs. - Real Insights: Examples and explanations to help you navigate the "decumulation phase" with confidence. Whether you're within 10 years of retirement or on the cusp, this episode equips you with the knowledge to secure your financial future. Connect With Us: Website: https://mokanwealth.com/ Tik Tok: https://www.tiktok.com/@retirewithkyle Instagram: https://www.instagram.com/retirewithkyle/ Facebook: https://www.facebook.com/mokanwealth Retire Ready Academy: https://retirereadyacademy.org/ Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

1
Never Too Late for a Roth Conversion? The Retiree's Tax-Slashing Secret 11:59

منذ 16 weeks11:59

11:59

Send us a text In this episode, Kyle dives into a real-world retirement planning case study featuring a pre-retiree couple in their early 60s with diverse income streams, including Social Security, pensions, rental income, and investments. This discussion addresses three main concerns: maximizing Social Security, implementing a strategic Roth conversion plan, and developing an efficient withdrawal strategy. Kyle highlights how the couple’s financial choices—such as delaying Social Security, leveraging Roth conversions, and adjusting spending based on market performance—will impact their financial security over time. Tune in to learn how these strategies are customized to balance income needs, manage taxes, and build flexibility for future adjustments. This episode is packed with insights on how to prepare for early retirement, navigate market fluctuations, and support long-term goals, making it a must-listen for anyone approaching retirement. Connect With Us: Website: https://mokanwealth.com/ Tik Tok: https://www.tiktok.com/@retirewithkyle Instagram: https://www.instagram.com/retirewithkyle/ Facebook: https://www.facebook.com/mokanwealth Retire Ready Academy: https://retirereadyacademy.org/ Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

1
Navigating 2025 Tax Brackets and Beyond: Essential Tips for Tax Planning 11:29

منذ 17 weeks11:29

11:29

Send us a text In this episode, we’re diving into a topic that’s going to impact everyone’s finances in the coming year: the new 2025 federal income tax brackets. The IRS recently announced adjustments to the tax bracket ranges to keep up with inflation, helping taxpayers avoid "bracket creep" — the phenomenon where inflation alone pushes you into a higher tax bracket without any real gain in purchasing power. We’ll break down what these changes mean for different income levels and compare them to 2024’s brackets. Plus, we’ll explore updates to the standard deduction, which could significantly affect your taxable income. And looking ahead, we’ll discuss the upcoming sunset of the Tax Cuts and Jobs Act and its potential effects on tax rates. By the end of this episode, you’ll have a clear understanding of how these adjustments could affect your take-home pay, retirement planning, and overall tax strategy. Tune in to get informed and empowered to make smart decisions in the evolving tax landscape. Sources: https://www.thetaxadviser.com/issues/2023/dec/tax-planning-for-the-tcjas-sunset.html https://www.kiplinger.com/taxes/new-income-tax-brackets-are-set Connect With Us: Website: https://mokanwealth.com/ Tik Tok: https://www.tiktok.com/@retirewithkyle Instagram: https://www.instagram.com/retirewithkyle/ Facebook: https://www.facebook.com/mokanwealth Retire Ready Academy: https://retirereadyacademy.org/ Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

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Married Couple with $2.2M: When Can We Retire? 22:00

منذ 18 weeks22:00

22:00

Send us a text In this episode, we explore essential retirement strategies through a real-life case study. Topics include: Crafting a sustainable retirement income plan Roth conversion strategies and how they can benefit retirees Maximizing Social Security to enhance income Tax-efficient withdrawal strategies for lasting savings Navigating retirement income guardrails to minimize risk Aligning financial goals with a tailored retirement plan Whether you're preparing for retirement or already retired, this episode is filled with insights to help secure your financial future and achieve peace of mind. Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

1
2025 Social Security Changes: COLA Update and New Rules for Working Retirees 10:25

منذ 19 weeks10:25

10:25

Send us a text In today’s episode, we’re diving deep into the 2025 Social Security changes that will impact your retirement plans. We’ll cover the essential updates, including: 2025 COLA Increase Earnings Limits for Working Retirees Impact on Your Benefits Holistic Retirement Planning Whether you're already retired or planning your retirement, this episode is packed with valuable insights to help you make the most of your Social Security benefits. Be sure to subscribe, rate, and review to stay updated with more retirement planning tips and strategies! Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

1
Roth Conversion Mastery: 5 Golden Windows to Unlock Tax-Free Retirement Wealth 18:27

منذ 20 weeks18:27

18:27

Send us a text In this episode, Kyle covers Roth conversions and how they can revolutionize your retirement strategy. Key topics include: The "five golden windows" for optimal Roth conversions How Roth IRAs and conversions work, including income limits and tax benefits Understanding backdoor Roth IRAs for high-income earners Strategies to minimize taxes and maximize tax-free retirement income Long-term planning tips for legacy building and Social Security optimization Whether you're looking to cut down taxes or secure your financial future, this episode is packed with actionable tips to help you retire smarter. Subscribe, rate, and review for more retirement insights! Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

1
5 Reasons Risk Tolerance Shouldn't Drive Your Investment Portfolio: A Holistic Approach to Retirement Planning 13:43

منذ 21 weeks13:43

13:43

Send us a text Join Kyle as he dives deep into the critical distinction between risk tolerance and risk capacity, two essential components for building a successful retirement strategy. In this episode, Kolin explains the emotional and rational sides of risk and how they influence investment decisions. Discover real-world examples and learn why understanding your true financial situation is more important than relying solely on your gut feeling. Key Highlights: Risk Tolerance vs. Risk Capacity Real-Life Examples Time Horizon Importance Holistic Approach Limitations of Risk Questionnaires Education Matters Tune in to learn how to craft a retirement strategy that aligns with both your emotional comfort and rational financial goals. Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

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A Comprehensive Guide to Retirement: Social Security, Taxes, and Investment Returns 19:54

منذ 22 weeks19:54

19:54

Send us a text In this episode, we dive into the top concerns for individuals nearing retirement, such as how to maximize Social Security benefits, implement tax-efficient strategies, and develop a comprehensive retirement plan that goes beyond just investments. Discover overlooked strategies that can help you keep more of your income and minimize risks as you plan for a secure retirement. Tune in to learn actionable tips and insights on: Maximizing Social Security benefits beyond the typical advice of "waiting until 70." Implementing tax-efficient strategies to reduce lifetime tax bills by six to seven figures. Navigating employer retirement benefits for a smooth transition into retirement. Developing investment strategies to maximize returns and minimize risk before and after retirement. Utilizing Roth conversions and optimizing the timing for long-term tax savings. Structuring effective withdrawal strategies to maximize income and reduce tax burdens. Avoiding common pitfalls such as Social Security taxation and sequence of returns risk . Creating a comprehensive financial plan that aligns all the moving parts of your financial life. Whether you’re 10 years away from retirement or just beginning to plan, this episode will guide you through the most important yet often overlooked aspects of retirement planning! Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

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Mastering Medicare: 9 Essential Tips for Understanding Your Healthcare Coverage 10:12

منذ 23 weeks10:12

10:12

Send us a text Are you feeling overwhelmed by Medicare and healthcare coverage? Join Kyle Hammersmith, where he breaks down the essentials of Medicare into nine easy-to-understand tips. From the basics of Medicare parts A, B, C, and D to crucial enrollment periods and cost considerations, this episode empowers you to navigate your healthcare benefits confidently. Episode Highlights: Understanding Medicare Medicare Parts Explained Enrollment Periods Cost Breakdown Medigap and Medicare Advantage Income Considerations Working Past 65 Whether you’re approaching retirement or just want to better understand your healthcare options, this episode equips you with the knowledge you need. Tune in and take control of your healthcare coverage today! Don’t forget to like, rate, and review for more retirement planning tips. Your retirement starts now! Subscribe to The Retire Ready Weekly Newsletter Get more information on The Retire Ready Academy Looking for personalized financial planning? Visit our website Disclosure: You should always consult a financial, tax, or legal professional familiar with your unique circumstances before making any financial decisions. This podcast is intended for educational purposes only. Nothing in this podcast constitutes a solicitation for the sale or purchase of any securities. Any mentioned rates of return are historical or hypothetical in nature and are not a guarantee of future returns. Past performance does not guarantee future performance. Future returns may be lower or higher. Investments involve risk. Investment values will fluctuate with market conditions, and security positions, when sold, may be worth less or more than their original cost. MOKAN Wealth Management is a registered investment adviser with the SEC. Registration of an investment adviser does not imply a certain level of skill or training.…

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Retire Ready with Kyle Hammerschmidt « » Sequence of Returns Risk With Investing Near/In Retirement

Sequence of Returns Risk With Investing Near/In Retirement

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مرحبًا بك في مشغل أف ام!

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Sequence of Returns Risk With Investing Near/In Retirement