MoneyMattersUSA with Fred Saide

MoneyMattersUSA with Fred Saide

Each weekly episode covers what is required to retire successfully and stay retired. Retirement is not a one size fits all. I focus on the three core considerations: longevity, certainty, and probability. I dig down each week to explore the components of the three categories indicated above. I also cover some of the overlooked issues such as taxes in retirement. the problem of frailty, health care costs and long tern care costs. I look at the estate planning , beneficiary directions, and effective strategies to produce income over one or two lifetimes and leaving a legacy. Each podcast takes questions from listeners of the live radio broadcast as I try to provide insight into the questions without providing advice to people I do not know.

Episodes

February 22, 2021 57 min
Retirement today is very different that what your parents or even your grandparents may remember. We will go through  these ten truths and how they can help you better understand your future self in retirement.

A sound retirement plan must include an income plan. While you may want to do what you want in retirement it is up to you to come up with the money. Let's look at a few ways to do so.

We often talk about a strong retiremen...
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While having enough money is important there are other considerations such as striving for income and minimizing federal income taxes. 

Because our tax code is very progressive planning for taxes is a key piece of the retirement puzzle. Avoiding increasing your tax liability will prevent your income from being reduced and it will also prolong the duration of your portfolio assets.

A successful retirement is about more than money. It ...

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There are some exceptions embedded in the tax code that makes the Roth IRA a treasure before and during retirement. Let's break it down.

Women usually outlive men. Women's relationship with money has evolved-but could be better. A longer life means financial complexity. A survey by the wealth management division of USB found 85% of women manage everyday expenses but only 23% take the lead when it comes to long term financial...

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The new year is a great time to take a look at your retirement plan and make sure the plan is a go. On this episode we've got some tips that could give your plan a tune up.

Any Tax Deferred Account (TDA) is a partnership with the US Government. You are the dominant partner because you select the investments. The US Government is the junior partner because it shares in your gains in the form of taxes. We all have to pay our taxes...

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Some of these tips will sound familiar and some will sound new. Thanks to the Pandemic all ae considered essential and perhaps you should get started right away.

See where you are. Are you a "do it yourselfer?" (DIYS) Nothing wrong with that. It does require time and discernment to figure out what is helpful and what is of no value to you. When do you need an advisor.

If not then we have a service which may be of help to DIYS...

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Living longer is good. Retirement today can last as much as 40 years. With the right plan longevity is a blessing, a life well lived and enjoyed. Still, there are things to be considered. Five risks to be aware of.

When you get close to retirement, there are loose ends to tie up and one of the biggest is making sure you have an income when the paycheck stops. Let's talk about some strategies to make sure you are taken care of fi...

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The more money you put into a Tax Deferred Plan (TDA), the more money you will accumulate. Remember, the US Government is your partner in a TDA plan. You have to share every dollar with the US Government. Top up your savings in not only TDA's but in brokerage accounts to compensate for a reduction in Social Security which is a possibility.

Women have a lot going against them, much more than men, when it comes to creating income ...

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Making sure you have enough income to get you to and through retirement is at the top of the list for most. So, if you are headed into retirement or already in retirement, we've put together a list of things you can do to make sure your income keeps up with your life style.

There are all sorts of people who want to help you manage your retirement portfolio. Which type of advisor is right for you? Let's see if we can help you...

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There are four key rules you cannot afford to break if you want to have the financial ability to actually enjoy your later years. What are they?

Our next goal is to help you understand which retirement plans might work best for your savings needs. Individual, employer-sponsored plans, and plans for the self-employed and small business owners.

Most spending occurs on Saturday. In retirement every day is Saturday. There is a tendency t...

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"We're all in this together" is another of the never ending cliches we've dealt with this year. Let's break down some things you can do to perhaps take advantage of this crazy year.

Making a retirement plan involves taking many different items into consideration. If you fail to consider some of they key issue you could end up undermining your efforts to build financial security in your later years. 

Retirement pla...

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December 7, 2020 27 min

We are living in unprecedented times. With 2020 almost over, let's go over 6 financial planning tips to close out they year of the Covid-pandemic.

Making a retirement plan involves taking many different considerations into account. If you fail to consider some of these core issues, you could end up undermining your efforts to build financial in your later years.

Retirement planning is vitally important to financial security, but ...

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There are a number of things you can do to potentially help save thousands of dollars on your 2020 tax return. Time is running out so let's dig in and see how we can maximize the value of your retirement accounts before year end.

Most Americans believe they'll live longer than their parents and are optimistic about what that means for them and their families. Few are prepared to save more to fund a longer duration retirement...

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December 7, 2020 27 min

We often talk about the importance of a written retirement and income plan. Now let's talk about implementing some tax strategies talk can help you keep more of your money all year long not just on tax day.

While some 10,000 baby boomers retire every day, this trend will end in2030. Are you ready is the big question? Did you save enough? Do you have a Social Security strategy? Making the right choices are critical. Let's rev...

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Most of us enjoy advice from our parents or grandparents. They have many life experiences. When it comes to retirement today we might be better off looking to the future rather than lacking to the past.

Starting in your 50's a focus on a retirement income plan makes sense. When you have rounded the bend with retirement in your sights, then the big win in your 60's is to believe you will live to age 95.

Next we look at you as ...

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November 12, 2020 27 min

As you plan your retirement you should also be planning on income  and capital gains taxes in retirement. Proactive tax planning is essential in understanding how taxes will impact your assets and income and   headache and stress that goes with   taxes.

We often talk about the importance of a written retirement and income plan. Now let's talk about implementing some tax strategies that can help you keep more of your money all ye...

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November 10, 2020 27 min

Managing expenses in retirement is important. On this  podcast I highlight some things that will impact some of the costs which will impact your retirement. How much do we need in retirement. Is the 80% rule of thumb of any value?

Can I get a do over game can be very relevant for retirees or soon to be retirees. I cover some regrets and what you can do to avoid them.

A question  I get all the time is "am I  ready to retire?" ...

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November 10, 2020 27 min

Most of us want to retire early  if possible in our sixties. On todays podcast I outline six retirement planning mistakes you want to avoid in your sixties.

Millions of Americans in the 50's have found themselves out of a job due to Covid-19. If that's you stick around. I've got some tips on what you can do to perhaps retie successfully earlier than you originally planned. The Employee Research Institute has found that a...

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November 10, 2020 27 min

We all know there are risks in retirement. On this podcast I highlight some of those risks and offer potential solutions to perhaps mitigate them 

I dig into some of the real risks pre-retirees and retirees should prepare for on the road to retirement.

When you are about to retire what are the things you should bring up with an advisor?  I discuss some of the topics to bring up.

We spend a lifetime saving for retirement. What are the ...

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November 10, 2020 27 min

Living longer in retirement means saving more before we get there. On todays podcast some retirement planning mistakes to avoid to help make sure we don't run out of money. 

Often it's the little things we do can have a major impact on our lifestyle. So we look at trimming expenses which can have a big impact on our retirement.

I also look at the problem of saving for retirement and  putting the kids through college. How to m...

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November 5, 2020 27 min

Living longer in retirement means saving more before we get there. On today's podcast some retirement planning mistakes to avoid to help make sure we don't run  out of money.

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