Road to Retirement 04-05-2025

Episode Transcript

Speaker 1 (00:00):
Mutual funds used to be a beautiful concept. Any investor
could invest and gain access to professional portfolio management. Times
have changed. Maybe your investment habits should too. Whether you're retired,
approaching retirement, or haven't even thought about it, now is
the time to get protection from market volatility and excessive

(00:20):
fee structure called Trip Limehouse with Limehouse Financial at eight
hundred nine four zero six nine seven nine, or text
Trip that's tripp to eight hundred nine four zero six
nine seven nine. Again, you can call or text Trip
at eight hundred nine four zero six y nine seven nine.

Speaker 2 (00:43):
Information provided is for illustrated purposes only and does not
constitute investment, tax or legal advice. Information has been obtained
from sources that are deemed to be reliable, but their
accuracy and completeness cannot be guaranteed. Neither Trip Limehouse nor
his guests are liable for the usage of information discussed.
Always consultable the qualified investment, legal or tax professional before
taking any action.

Speaker 3 (01:02):
Hey, welcome into the road to retirement with Trip Limehouse.
My name is Steve so Oh. We are gonna We've
got a big show plan for you today, meaning that
we've got a big drive ahead of us. Everything is
getting ready to go. In fact, on today's show, we're
gonna break down five major economic headlines and more importantly,
what you can do to protect your financial future. So
all in an effort to keep you informed, and we're

(01:23):
gonna tap into Trip's a vast knowledge base and talk
about some things going on in the economic world and
how they impact retirees and those getting into retirement. Hey, Trip,
what's going on?

Speaker 4 (01:34):
Good morning, Steven, Good morning to all you guys out
there in radio land. Welcome to another fantastic episode of
the Road to Retirement Show with Limehouse Financial. We are
cruising down the road, as you often say, Steve, having fun,
We're helping people in Today, we're gonna get into major
economic headlines. We're gonna talk about how they affect your
retirement and how you can do better.

Speaker 2 (01:55):
Coming up next, do you want to avoid taking a
war long turn or your retirement road?

Speaker 4 (02:02):
The road to retirement is a long one, and if
you just don't want to make rock pack.

Speaker 2 (02:06):
Well, buckle up. We're getting ready to take a retirement
road trip together. It's the Road to retirement with Trip Limehouse.

Speaker 4 (02:15):
It's the perfect amount to map it out that road
to retirement is.

Speaker 2 (02:19):
Key, is key to get on the road to financial
security and independence. Just like many of Trip's happy clients
and retirement partner.

Speaker 4 (02:27):
My money is say, using the green line principle that
you taught me about.

Speaker 5 (02:31):
Thank you so much.

Speaker 2 (02:33):
Let's get this trip started. It's the road to retirement
with Trip Limehouse.

Speaker 3 (02:41):
Hey, welcome in. It is the road to retirement with
Trip Limehouse. A great opportunity to really sort of take
a drive with tripman. Let him guide you, let him
guide us towards retirement. That's what you do, Trip, You've
been helping folks do just that for better than twenty years.
You'll find him at Limehouse Financial, along with his investment
advisor John nothing O'Riley, and really the whole rest of

(03:02):
the team there is that Trip heads up. So Trip,
how are you everything good?

Speaker 4 (03:08):
Yeah? How man? We are enjoying spring. What a fantastic
time of the year. This pollen those kind of getting
to me at times. I'm welcoming the rain. I always
like the rain though. It's kind of relaxing if you
ask me. Sitting on the back porch listening to the
rain drives hitting the roof and the smell, you know,
the air smell so fresh after a good rain, but

(03:28):
in particular washing away all the pollen, you know what
I mean. You know, I'll tell you why these headlines
related to I mean, they're really affecting everybody. But we're
going to time into into retirement, into your retirement, folks,
you know, I'd like to just keep you informed out
there on the latest financial news and of course how

(03:50):
new developments can impact your retirement. And and you know,
we talked about some of the stuff recently and it's
just that important that we want to bring it back
up and talk about it again. And I'm just going
to go over some major economic headlines and I'm going
to talk about how they will impact people who are
going to retire and who are retired. And the first

(04:11):
one I'm going to get into is escalating trade tensions.
You know, I mean, this is this is big deal
that's going on now, welling.

Speaker 3 (04:22):
And off again, and it's it's confusing more than anything.
But what's the bottom line trip, what's going to happen
or what could happen?

Speaker 4 (04:28):
I guess with them, well, I think that you know,
the the knownes are that tarffs do affect everyone and
in particular when people are about to retire or already
are retired. We have to examine it a little bit closer.
I mean with tarffs on imports from Canada and Mexico, uh,

(04:50):
and increase tariffs on Chinese goods, you know, I mean
that's leading to fears of trade wars. I mean that's
very rational. So what kind of an impact does that
have on retirees? Well, tariffs are going to lead to
higher prices on everyday goods, and how does that really
you know, affect or sting if you will, people who

(05:11):
are retired. Well, in general, people who are retired are
on fixed incomes. Okay, so think about that, you know,
I mean we've already dealt with high inflation in the
last several years, and we're hearing it. I mean, you know,
our average clients have seven figure portfolios, very high income,
you know, between pensions and social securities, et cetera. And

(05:34):
you know when you hear those people Steve start talking
about the the high pricing and how it's affecting them,
you know that it's really affecting people who have even
less saved or who maybe don't have a pension. So
you know, this whole tariff thing is real, and you know,
I mean it's gonna it's gonna take a while for
people to adjust. And then you throw in something else.
You throw in market volatility. I mean, that's a whole

(05:55):
nother animal. I mean, that's going to cause people's you know,
balances in their retirement accounts to fluctuate. So anybody who's
got money invested in in anything in four ones or
iras or you know, brokerage accounts, I mean, you're gonna
watch those bounces, you know, be bouncing up and down
and up and down, and that's you know, that's the market. Folks.

(06:18):
Just we need to expect that. Don't ever think it's
gonna just stay like it did for that eleven year
period when interest rates are so low and you really
could just earn interest on anything. I mean, you could
get you know, double figure you know interest on gosh,
any kind of equities out there really for a long time.
And what happened was people just became complacent because of that.

(06:40):
And we've been talking about that for a long time.
So you know, what is an alternative to the market volatility. Listen,
we can't fix tariffs and what the government's gonna impose
or not impose, and we can't really, you know, work
around it. We just have to deal with it and
feel the pain. But on the market of volatility, there
is something, folks, that you can do, and it's called

(07:00):
the green Line principle, and I bring it up all
the time, and I'm bringing it up right now because
you need to know about it. You need to implement
it into your plan. As a matter of fact, most
folks out there have an account, not a plan, and
we want to help you turn your account into a plan.
And in your plan, we want to include the green
Line principle. That's a safe money strategy where zero is

(07:21):
your hero, you cannot lose any money and you've got
a lot of upside potential. Visit Greenlineprinciple dot com to
learn more about that. Folks, you got to be planning.
We're going to come back and continue to talk about
more of these headlines and how they affect you and
your upcoming journey on the road to retirement. But for now,
tune in real quick to this. It's an offer from

(07:42):
Limehouse Financial to the next ten callers in the next
ten minutes. It's for a written plan for retirement built
by our teamo certified financial professionals. Individualizing customize just for you,
no cost, no obligation. But you must call in right
now to receive this eight hundred nine four zero six
nine seven nine. Next ten callers in the next ten minutes.

(08:06):
A written plan for retirement Individualize the customize just for you,
no cost, no obligation.

Speaker 3 (08:12):
Sounds fantastic. Trip eight hundred nine four zero sixty nine
seven nine. There's the number go here at The show,
of course, is to help you make the best decisions
for you when it comes to your retirement. So if
you've got questions about the things we're talking about how
it might impact you, call Trip today get that second opinion.
Eight hundred nine four zero six nine seven nine. Eight
hundred nine four zero sixty nine seventy nine. A quick

(08:35):
break for us. We're going to come right back and
continue our conversation here on the road to retirement with
Trip Limehouse.

Speaker 4 (08:41):
Cruise it down the road today talking about headlines and
your retirement. Are you in it? Are you getting ready
to be in it? Well? The headline today, gosh, they're
all over and you need to know about things, how
to protect yourself, how to do better in retirement. Stay
tuned for more coming up next.

Speaker 5 (09:04):
Do you ever feel like you are fighting for financial knowledge?
Don't let bad advice be a punch in the gutch
your retirement. Take advantage of a complimentary and no cost,
no obligation consultation with a local, trusted financial coach. Call
Trip Limehouse at eight hundred and nine four zero six
nine seven nine or text trip to ri ipp to

(09:25):
eight hundred and nine four zero six nine seven nine.
That's eight hundred and nine four zero six nine seven nine,
or text trip to eight hundred and nine four zero
six nine seven nine.

Speaker 3 (09:39):
We're back on the road to retirement with Trip Limehouse
on nice drive, a beautiful day trips avoiding all those
detours and bumps along the road, getting us to a
smooth retirement because that's what we want, and again, we
can't do it without help, and Trip is here to
do just that. We're talking about headlines and things that
are going on in the news that are affecting you know,

(09:59):
retireing and pre retirees. Well, you know, you can look
at the market Trip and in any given day, you know,
you can see a swing of you know, one hundred
and two hundred points, but again in the last few
weeks there have been swings of a thousand points up
and down. It's it's just crazy.

Speaker 4 (10:15):
Yeah, it is. And uh, you know, I think that's
just a reminder to everyone out there that you know,
if you don't pay close attention and you're one in
the market before retirement or during retirement, uh, you know,
your your your journey can be affected, your direction can

(10:36):
be changed. And we asked the question all the time,
you know, do you do you guys out there want
the stock market to determine the direction that you go
in retirement. Well, you know, there's just some things that
you need to know about and some solutions to that
problem of just relying solely on the market. And the

(10:57):
first segment today on the show, we talked about, you know,
escalating trade tensions as the United States has imposed new
tariffs and how that affects you guys out there, and
it really does sting, you know, higher pricing on everyday goods.
It's affecting all of us and we're all going to
feel it. But I did you know, mention a solution
because we got into market volatility and how the market

(11:20):
just changes, you know, and causes fluctuations in your in
your accounts out there. We made the point that there's
a difference between accounts and plans and folks as sooner
you move to a plan versus an account, the better
that you do. Eight hundred nine four zero six nine
seven nine is our number limehouse financial dot com. We

(11:40):
are experts in social security and income and distribution planning.
We help you get to and through retirement. So now
we're talking about stock market volatility and major indexes plunging.
I mean, who in the world likes to wake up
in the morning or even you know, maybe just going
out for lunch after a tough morning in the office
and hearing about the market plunge. I don't like that

(12:01):
to you, not at all. Yeah, what kind of an
impact does that have on on on retirees, Well, obviously
it's it should be fairly evident when the market is
going down, there is a reduction in the value of
your savings. And you know what could happen as a
result of that, Well, I mean some people might panic

(12:22):
and and and sell off their holding Steve and and
in effect what that does is you know, doing that
taking that action, panicking and being an emotional investor. It
causes people to lock in losses instead of allowing a
portfolio the time that it might need to recover. So

(12:44):
you know, that's a that's a huge that's a huge deal. Well,
you know, folks, what can you do about this? Well,
you know, I'm going to just encourage you to stay
calm and not be an emotional investor. I mean, market
fluctuations are normal, that's for sure, even when they're not.
Tariffs and sanctions and global trade wars and things of
that nature. You know, investing is for the long term.

(13:09):
It's going to allow you the opportunity to recover losses
by kind of letting the portfolio breathe if you will, Okay,
And we also have to maintain a diversified portfolio. We've
got to ensure that there's a balance within the portfolio
of you know, equities, bonds, cash reserves, and you know,

(13:31):
I mean maybe some things like dividend paying stocks or
even lower risk portfolios to generate some steady income even
when there are market swings. I think overall, the most
effective strategy as a consumer that you can have is
to work with us as experts to guide you through

(13:52):
difficult times when they arise, which they have and they
will in the future, you know. I mean, there's many
studies out there that the consumers who choose and it's
a choice to work with experts like myself, like Jonathan O'Reilly,
my investment advisor, they fare better over their retirement. They do.

(14:14):
And you know, if you're out there and you're do
it yourself, I love that. I think it's fantastic, and
I encourage you to continue to do that, but I
would offer you a second opinion from an expert like
myself or Jonathan on what you are currently doing to
make sure that you're not leaving anything out of the
equation so that you are successful. Because I do realize
there's a lot of folks out there and they just

(14:36):
enjoy managing things on their own, and there's nothing wrong
with that. I appreciate that. But my experience in over
twenty years has taught me that when I meet with
the do it yourself first there's a couple of things
that usually there forgetting. And maybe it's something major like inflation,
or maybe it's something like taxation, or maybe it's the

(14:56):
unaccounted for is like you know, imposed tariffs and global
trade wars or whatever. You know, So Steve Overall. You know,
as an advisor, what I'm confident of is our ability
to help all people out there do better than they're
doing currently. And who in the world doesn't want to
do better? I always want to do better? How about you?

Speaker 3 (15:17):
Always?

Speaker 4 (15:20):
It's a natural right, human nature, you know. So I
think we're all built like that. But you know, folks,
there's a whole lot out there that we can't control.
And at Limehouse Financial, what we talk about is let's
control the controllables. Okay, I'm going to go back to
it again, the green line principle. Visit green Line Principle
dot com learn more about how to protect your money. Okay,

(15:43):
this is a solution that you can take advantage of.
Where zero is your hero. There's no downside and a
lot of upside potential. All right. So we can't control
what's happening with tariffs that are imposed. We cannot control
what's happening with market volatility. But we can choose to
protect and preserve what we work so hard for. And

(16:04):
I'm not saying all of it, I'm just saying a
portion of it. By utilizing the green line principle greenlineprinciple
dot com to learn more about how to protect your money.
You know. Another step that you can take, folks, is
by listening to these offers that I give at the
end of every segment and taking advantage of it. I'm
going to do that right now. These are life changing

(16:25):
opportunities for you to do better in retirement. Okay, whether
you're about to be there or are already, are there
eight hundred nine four zero six nine seven nine The
next ten callers in the next ten minutes are going
to receive a written plan for retirement, individualize and customize

(16:46):
just for you at no cost or obligation. You must
call in to receive this eight hundred nine four zero
six nine seventy nine no cost, no obligation, written plan
for retirement. Also, you must come in to receive this.
We will not email to you or send it to you. You
have to come in and go through our process to
receive this. It's yours. Next ten callers in the next
ten minutes.

Speaker 3 (17:06):
Sounds great. Trip, It's advice like that that shows you
just how important it is to meet with a financial
coach like Trip, somebody who understands the ins and outs
of the financial world. Do take advantage of this opportunity.
Make sure that you are on the right path. That path,
of course, is based on your risk preferences, your budget,
and your goals. Give us a call right now eight
hundred ninety four zero six nine seven nine, eight hundred

(17:28):
ninety four zero sixty nine seventy nine quick break for us.
We've got lots more on the road to retirement with
Trip Limehouse right after this.

Speaker 4 (17:35):
Protecting your financial future? Doesn't that sound awesome? We're talking
about financial headlines out there. Things are happening, moving and
shaking that are going to affect you and what you
can do about it to ensure your success on the
road to retirement journey coming up next, more on just that.

Speaker 6 (18:00):
If you remember these TV shows, you're getting ready to retire, and.

Speaker 7 (18:04):
Everybody see a big pair of feet there, cheesy mustache.
I'll think of you, you guts well, I hate I'm
one guy who ain't prejudice against anybody who may be
less sipiated than me.

Speaker 6 (18:18):
It kind of sneaks up on you, doesn't it.

Speaker 4 (18:20):
Oh geez.

Speaker 6 (18:21):
You deserve a secure, independent retirement, a retirement that is
prepared to handle pitfalls like inflation, health emergencies, stock market volatility,
and taxation. You've worked hard for your money and will
work just as hard to protect it and grow it.

(18:41):
Retirement planning doesn't have to be difficult. Get the facts
based approach that you deserve all at no cost, with
no obligation. Call the Road to Retirements Trip Limehouse eight
hundred nine to four zero sixty nine seventy nine or
Text trip to eight hundred nine four zero six nine

(19:02):
seventy nine.

Speaker 8 (19:03):
Getting the right retirement strategy suited to your unique needs
and desires is called hitting the bullseye. You can say
I nailed it. You actually should say we nailed it
because there's a firm right there with you putting together
the pieces of your own retirement puzzle. It's a bullseye
plan for you. Call Trip Limehouse, host of Road to

(19:24):
Retirement eight hundred nine four zero six nine seven nine
or text trip tripp to eight hundred nine four zero
six nine seven nine. We've made it easy for you
to take advantage of this fantastic offer. All you have
to do is call our text trip to eight hundred
nine four zero six nine seven nine.

Speaker 3 (19:42):
We are back on the road to retirement with trip Limehouse.
Having a great drive today, avoiding all of the detours
and the bumps in the road. That's what Trip helps
us do to get to retirement. He's been doing just
that for better than twenty years. You can visit Limehousefinancial
dot com to learn more. Limehousefinancial dot that's the website
you can connect with Trip. Right there. You can meet

(20:03):
the rest of the team, and you've got some great
resources on that website too, Trip. That'll help you, you know,
I mean put together a budget to you know, talking
about investments.

Speaker 4 (20:14):
Yeah, thanks for bringing that up, Steve. You know, we
get compliments. People call in all the time and they're
like that guy Steve. He's always making sure we know
just how to find a you Trip, and he's always
telling us about our resources. So thanks for doing that, Steve.
The people out there radio Land really appreciate it, as
well as myself. You know, folks. You can visit Limehousefinancial

(20:37):
dot com to learn more about us. Check out the
events tab. We always have events going on. We'd like
to invite you to those, and under the resources tab
is Steve just mentioned, there's so much there for you.
Another thing I'm thinking about, Steve, is that we very
intentionally turn this show into a podcast. Folks, If you'd
like to go back and listen to this episode or

(20:57):
any other episode, you can do so wherever you stream
your podcast or music iHeartRadio, Google, Spot, Spotify, Apple, whatever.
Just pull up the Road to Retirement Show with Limehouse
Financial and you know, go back and listen to this.
You can also subscribe to it and get it to
your inbox every Friday if you so choose.

Speaker 3 (21:17):
What trip you mentioned the podcast, I'll tell you what
you are now at episode two hundred and three this.

Speaker 4 (21:22):
Week two o three. I love it. Yeah, we've been
doing this for a while. We're going to continue on.
We love getting information into people's hands. You know, so
so far on today's show, we've talked about you know,
trade tensions, tariffs, We've talked about stock market volatility, and
you know, now I'm going to get into global economic slowdowns.
You know, a growth forecast are lowered? Now, how does

(21:46):
that sound for those of you that are about to
be in retirement or already are in retirement? When we
talk about growth forecast being lowered? I don't know. I
mean when I hear that, I'm like, like it, gosh,
what what does that mean for me? Right?

Speaker 2 (22:01):
You know?

Speaker 4 (22:02):
Moving forward? Well, I mean, here, here's the thing. Global
markets are experiencing downturns amid escalating trade wars and diplomatic conflicts,
and that does lead to lowered economic growth forecast. That's
I mean, that's an evident thing. So the impact that
it has on retirees is, you know, a slowing economy

(22:24):
is more than likely going to lead to lower interest
rates and that's going to affect savings accounts and bond yields. Okay.
And as a result of that, businesses, you know, may
struggle and that's going to potentially impact stock market returns
and pension fund stability. So you know, what can you do, folks, Well,

(22:45):
I want you to focus on your liquidity. I want
you to increase your emergency fund to cover at least
six to twelve months of expenses in case of continued
economic uncertainty. We always encourage you to have a lot
of liquidity. As a matter of fact, when we build
plans for you, which is what we do here at
Limehouse Financial. We're building plans for you to get to

(23:06):
and through retirement, Okay, we always include a lot of
liquidity in those plans. It's it's a necessity. Okay. So
what can you do well, maybe shift some assets to
you know, stable investments. Talk to us about utilizing you know,
treasury bonds or maybe high yield savings accounts to ensure

(23:26):
your financial security. And I also want you to delay
major withdrawals from retirement accounts if possible, to allow your
investments time to recover. This is something that's key, you know,
amid global economic slowdowns that are that are currently you know,
going on right now, folks, you can reach us at

(23:46):
eight hundred nine four zero six nine seventy nine. Limehouse
Financial dot com is where we are on the web.
I want you to take a minute to visit Retirement
success Rate dot com. You so, retirement is there's just
so much that it encompasses. We've got to talk about healthcare.
We've got to talk about income planning, we've got to

(24:09):
talk about professional money management. We've got to talk about
safe money strategies. And the list goes on and on
and on. But at the end of the day, there's
one number that you need to be familiar with one number,
and it's your retirement success rate. Okay, so if you
do not know your retirement success rate, that's problematic. Visit

(24:29):
retirement successrate dot com to learn more. Retirement success rate
dot com to learn more. Everybody who comes to see
us here at Limehouse Financial gets their retirement success rate number,
and they walk out of our office with confidence that
they're going to be successful in retirement because we've shown them,

(24:50):
through proper planning from a fiduciary capacity, only making recommendations
in the person's best interest, how they can have a
high retirement success rate. And in some cases we're telling people, hey,
you need to work longer, you need to save more
so that we can get that retirement success rate up
to where it needs to be. Eight hundred nine four
zero six nine seven nine Limehouse Financial dot Com. Let's

(25:11):
get into one more headline here as we're wrapping up
this segment, Let's talk about the Federal Reserve policy and
potential interest rate cuts. I mean, I like lower interest rates,
how about you, Steve, Lower interest rates are always a
better thing. We all do, of course, Yeah, Well, I
mean I mean economic uncertainty. You know, expectations have risen

(25:33):
for multiple Federal Reserve interest rate cuts this year. What
does that have to do with people who are retiring
and what's the impact. Well, lower interest rates mean reduced
incomes from savings accounts and CDs and bonds. Borrowing costs
may decrease, which would be a good thing. That's going
to benefit those with mortgages or other debts. But you know,
you've got to know what to do about it, folks,

(25:55):
You've got to seek alternative income generating investments. I mean
the don't live on hope, I hope the interest rates say, Hi, okay,
don't live on hope. Let's reevaluate your investment strategy and
let's consider it. Let's consider refinancing your retirement. Okay, we
do it everyday Limehouse Financial. We refinance people's retirement and

(26:17):
we help them do better amid a changing environment on
an ongoing basis. Out there, folks, it's time for you
to take advantage of our next offer of the day.
It's for the next ten callers in the next ten minutes.
It's a written plan for retirement, built by our team
of certified financial professionals, provided to you at no cost

(26:37):
or obligation. Now, you must come in and go through
our process to receive this. We will not I repeat,
we will not just email this or send this to you.
You must come in and go through our process to
receive this written plan for retirement, individualize and customized, no cost,
no obligation for the next ten callers in the next
ten minutes.

Speaker 3 (26:54):
Eight hundred ninety four zero six nine seven. That is
the number advice like that. That shows you how important
it is to meet with a financial coach who understands
the ins and outs and ups and downs of the
financial world. It's your chance to benefit from a personalized
retirement income plan. Call call right now. We still have
some availabilities for you on the calendar. Eight hundred nine
four zero six nine seven nine. That's eight hundred nine

(27:16):
four zero six nine seventy nine. Again, the consultation offered,
no cost, no obligation. Make that call today. Eight hundred
nine four zero six nine seven nine. Quick break for us.
We've got more on the road to retirement with trip
Limehouse right after this retirement.

Speaker 4 (27:30):
It's one of life's biggest milestones, something most of us
can't wait for. But like any major life change, it
comes with challenges. It's not just about saving enough or
maximizing your investments. These are important things, but it's also
about planning for unexpected obstacles. Some you see coming, others

(27:52):
might surprise you. We're going to get into that coming
up on the Road to Retirement show next. This is
such a blow to invest Do it right now.

Speaker 1 (28:05):
Bring your stall network.

Speaker 8 (28:09):
It takes courage to face up to things like volatile
markets and Wall Street money traps. If you're unsure, worried,
or losing sleep about your money, do something about it.
Call Trip Limehouse, host of Road to Retirement eight hundred.

Speaker 9 (28:22):
Nine four zero six nine seven nine, or text Trip
tripp to eight hundred nine four zero sixty nine seven nine.
We've made it easy for you to take advantage of
this fantastic offer. All you have to do is caller
text Trip to eight hundred nine four zero six nine
seven nine.

Speaker 10 (28:38):
Hurricanes, tornadoes and fire. These are serious situations we plan
in advance for. The Volatility of the market can be
just as devastating when a market correction does occur. There
are strategies you can employ to balance back. Called Trip
Limehouse and his team at Limehouse Financial Today in eight
hundred nine four zero sixty nine seventy nine, or text

(29:01):
the keyword Trip to eight hundred nine four zero sixty
nine seventy nine. We've made it easy, folks. All you
have to do is call or text the keyword trip
to eight hundred nine four zero six nine seven nine.

Speaker 3 (29:17):
Hey, welcome back everybody. This is the road to retirement.
With Trip Limehouse ce is zero each and every week,
helping folks get to and through retirement, guiding us along
on this journey as we head into retirement and Trip.
You know, we talk about some things you see coming in,
some things you don't. Bottom line is you gotta just overall,

(29:39):
we've got to be aware of what's going on around us,
especially in retirement, especially when it comes.

Speaker 4 (29:44):
To our money. Yeah, it's like driving, you know, we
just always have to be aware. We can't simply be
a passenger. I mean, if we're the only one in
the car or whatever, you know what I mean, we
got it just our surroundings. It's why we've got side
mirrors or review mirrors, you know, and the when you
look through the windshield kind of just gotta always be
looking around. And you know, our job here at Limehouse

(30:05):
Financial is really to help people avoid the wrong turns
that lead to dead ends on the road to retirement.
They're going to be speed bump, it's going to be detours.
We say this all the time, but you know, we
want to talk on this segment about some key retirement risks,
if you will, and more importantly, how to manage them effectively.

(30:28):
It's going to be very helpful for people out there,
and you know, a lot of the stuff that we
talk about is on an ongoing basis and we just
continue to put it in front of our audience. By
the way, to my longtime listeners out there, hey guys,
it's always good to be with you. It's a pleasure
to spend time with you yet once again and certainly
appreciate you tuning in and thanks for all the support

(30:51):
too over all these years, you guys out there mean
a lot to us here at Limehouse Financial. Jonathan and
I talk often about our listener fan base, and you know,
we get email, Steve, we get calls, and people just
thank us for what we're doing, the information we're sharing.
So you guys are very welcome, and if you're new
to the show, well, hey, welcome in. You're in the

(31:12):
right place. We are social security and income planning experts
and we help you get to and through retirement. So
we're gonna get into this first key retirement risk right now,
and it's a big one. Steve it really is.

Speaker 3 (31:25):
Yeah, well we're living too long, so I'm living our money.
I mean, obviously we don't want to do that.

Speaker 4 (31:31):
So I'll cueue this up by asking folks out there,
has anyone out there who's currently listening to this show
right now ever known someone who retired but then went
back to work later on, not by choice? Anybody, anybody? Yep?

(31:52):
I see some head shaking, some hands going up, people
saying I do that's a question. When we do our
live event, Steve that I I always ask our audience.
And by the way, folks, make sure you check out
Limehousefinancial dot com and under the events tab, look and
see where we're going to because we do these events
on an ongoing basis social security and income planning workshops,

(32:13):
and it would love to have you there. But when
do we do these events? See if I ask our
attendees that question, and you typically half of the people
in the room, you know, fifteen twenty people will raise
their hand and indicate, yeah, I've seen this, And what
are we talking about right now? Well, you said it
a minute ago. It's where people are living longer. You know,

(32:33):
it's just a reality. Think about advancements in medical technology.
I mean, my guy, seems like we read about something
new every day, right, a new medicine, which I don't
know if that's good or bad. I'm not a big
medicine fan, but you know they had their place and
for everything, right, joint replacements. I mean, gosh, you know,

(32:53):
like my stepmom had bypass surgery years ago and they
didn't even open her up. It was robotic. I mean,
that's crazy. You know, a bypass surgery, right, you know,
done by robotics. So people, newsflash, we are living longer,
and quite frankly, that's one of the greatest risks that

(33:14):
you're going to face on this long journey called retirement.
And that's the possibility of you outliving your money. It's
called lawngevity risks. So you know that's not a bad
thing that we're going to be around longer, you know,
I mean think about it.

Speaker 3 (33:28):
Well, no, of course not.

Speaker 4 (33:29):
You get to hang out with our kids if we
have them, or grandkids if we have them, or our
friends or whatever. Right, we get to see things come
to fruition, new things come around. Sometimes we are thankful
to see new things come around, and sometimes we're like, yeah,
I wish I wouldn't have seen that. You know, think
about my grandmother and grandmama would not have liked the

(33:52):
current world that we live in. She would just not
be pleased with it at all. And you know, just
because of how she was raised in her generation.

Speaker 3 (33:59):
You know.

Speaker 4 (33:59):
So it's probably a good thing I miss her so much,
but probably a good thing she's not around us to
encounter some of the things that we see today.

Speaker 7 (34:06):
You know.

Speaker 4 (34:06):
But on the subject of longevity risk, what does it
mean regarding your money? Well, it means that we have
to make your nest egg if you will last longer.
I mean, who in the world wants to run out
of money? I keV never met a person that says,
don't I don't care if I outlive my money. That'll

(34:27):
be crazy, right, just to not care about that, you know.
So I want to just touch on a solution, a
solution for this.

Speaker 3 (34:38):
Okay, good, okay, what do we got?

Speaker 4 (34:40):
Well? Again, the number one risk that we face is
longevity risk, the possibility of outliving our money. So how
do we counter that? How do we eliminate that? Well?
Income determines outcome during retirement. Income determines outcome during retirement
in particular, guaranteed lifetime income. Okay, that's the key to

(35:05):
avoiding longevity risk, or to eliminating longevity risk. Okay, folks,
We've got to diversify our income streams. We've got to
maximize and optimize social security. We've got to have all
investments working at any given time to create, you know,
a solid safety net for us. I'd like you for

(35:27):
you guys out there to visit getsafe income dot com.
Get safe income dot com to learn more about how
you can never face all longevity risk. It is a
controllable risk, and that's good news for you. Guaranteed income
for life. Folks, We help you every day structure this

(35:51):
into your plan. Eight hundred nine four zero six nine
seventy nine. Eight hundred nine four zero six ninety seven
nine call in and ask us about how to create
the personal pension plan. That's kind of what I've been
alluding to, the personal pension plan. You know, if you
have a pension and you want an additional pension, we

(36:12):
can show you how to create one. If you don't
have a pension and you'd like to have a pension,
we can show you how to create one. Okay, all right,
Next up on a key retirement risk that we want
to manage effectively. Well, it'd be inflation, the I word.

Speaker 3 (36:32):
Oh yeah, inflation. Well, I mean again, it's always there.
And I think backtrip to you know, when we've been
doing this show a long time, and I think back,
you know, four or five, six years ago we talked
about inflation, but it was just a small part of
a discussion. Now it's become front and center of a discussion.
But the thing is is you have always planned on
inflation well.

Speaker 4 (36:53):
As as an income and distribution planning expert. It's something
that we've had to always include in people's plans, and
we continue to do so. Now we're just raising the
rate of which we account for inflation as we're moving forward.
But yeah, think about well, you know, like when you
and I started the show whatever, five years ago, however

(37:15):
long it was, and I mean i'd go to this door,
and I mean I'd buy a dozen eggs and you know,
a dollar twenty five or something like that, right, sure,
And I walked through our grocery store the other day,
something I don't do very often because my lovely wife
Amy does it. By the way, Honey, I love you
so much. Thanks. We're always going to the grocery store

(37:36):
or planning out meals and taking care of us. You
are the best ever. But I was at the store
the other day and going to pick up something for
her because she was preparing for a friend's daughters getting married.
She's doing a little shower and she needed some help.
So I ran up to Publics and I was walking
by the eggs and I was like, I wonder if
the eggs prices have come down, and they had come
down something. I was like, oh my gosh, still a

(37:57):
dozen eggs and it was, you know, like six or something.
I just quickly walk by. But the inflation, yeah, I
mean it eats a weight or buying power. I mean
the costs of everything. Everything is increasing, food, housing, healthcare.
It just goes up and up and up. And you
know what costs one thousand dollars a day might cost
fifteen hundred dollars or more in ten years. So, folks,

(38:18):
your retirement income needs to keep pace with inflation so
you don't fall behind. So what we want to do
is consider a portfolio that grows over time. Okay, that's
gonna adjust with the market. And my investment advisor, Jonathan Reilly,
he loves helping people in this particular area building portfolios,

(38:41):
partnering you with the portfolio that's going to allow for
capital appreciation over time to outpace inflation. You know, we
talk about safe money strategies, which everyone needs. By the way,
I know some of you right now are really concerned
about the market and what may be happening in the background,
you know, with these new tariffs and such. Visit green

(39:04):
Line Principle dot com green Line Principle dot com to
learn more about how you can preserve and protect your money.
That's a safe money strategy where zero is your hero,
no downside, lots of upside potential and it needs to
be a part of your plan. Okay, So make sure
you check that out and ask us about the green

(39:24):
Line Principle safe money strategy. But you know, when we
build planed Steve, we're including professional money management, utilizing portfolios.
And why are we doing that Because they have their
place for people over a long period of time and
not being an emotional investor, you know, relying on advisors
such as myself and Jonathan to guide them through the

(39:45):
long journey, but for their money to continue to accumulate
and to grow over time and outpace inflation. So how
do we counter our inflation? Well, we just utilize the
skills of experts and we implement professional money management. So
another thing I'm thinking about now is, uh, this is

(40:07):
just a constant thing we got. We gotta talk about it, though,
because I think it gets I think people just forget
about it. And that's like the unexpected costs associated associated
with healthcare and and.

Speaker 3 (40:18):
Well, I mean, you know, you're right, trip, but it's
not that we I think I don't. I don't think
we forget about it. We just choose not to think
about it because it's an awful thing to think about.

Speaker 4 (40:27):
In particular long term care. Who the heck exactly, who
the heck wants to think about that, you know, being
in a nursing on my I don't know. I don't
want to think about that. You know, I've encountered that
in my family on both sides. As I've told many
times on the show before, you know that long term care,
I mean, that's just a that can be I'd say

(40:50):
that's the third greatest risk that people face in retirement, Steve,
long term care risk. And that's a pretty big statement,
but it's a trick statement. I mean, think about it.
Medicare helps okay with long term care, but it doesn't
cover everything. We just brought on a new client recently
and Medicare is helping with her care, but she needs

(41:14):
additional care that Medicare doesn't pay for. So she's spend
in about thirty five hundred bucks a month to have
people come into her home and help her out. And
this is more like custodial care, you know, it's not
a skilled care. She's fully there, you know, hasn't lost
any of her memory or nothing like that. She just
needs help, right and she's aged, her body has changed

(41:37):
now she needs help. Fortunately, she has a plan and
you know, we structured it in such a way that
she can pay for these things on her own. Folks,
you need to be doing the same, you know, don't
discount long term care. I mean, we're getting older, living longer,
needing care and we can't just say, well, Medicare will

(41:58):
pay for that. You know. Here at Limehouse Financial, we
address long term care with all of the people that
we ever talked to and we help them formulate plans
to you know, to take that financial burden away. You know,
we do it through asset based long term care planning,
traditional long term care planning, hybrid long term care planning.

(42:19):
There's many ways to do it, but you just have
to address it, you know. Just don't move into retirement
or stay in retirement assuming that Medicare is going to
cover everything, or that if you need care in the
facility assisted living nursing home that you're you know, everything
will be taken care of, because that's just not true. Okay.
We have to plan for the unexpected. We don't want

(42:39):
to go down, you know, or take a wrong term
and go down a dead end on the road to retirement.
And you know that's our cholb folks. We're here at
Limehouse Financial to help you avoid these things that we're
talking about. So, you know, again we just kind of
scratched the surface of this, and I encourage you to
continue to tune into The Roads Retirement Show on the

(43:02):
weekends and also on TV to hear more about this
and how you can control the controllables. I also encourage
you right now to call in. This offer is for
the next ten callers in the next ten minutes, and
the offer is for a written plan for retirement built
by our team of certified financial professionals, no cost, no obligation.

(43:26):
It's individualized and customized just for you. Now you must
come in go through our process to receive this. We
will not email it or send it over to you
in the mail. The next ten callers in the next
ten minutes will receive a written plan for retirement at
no cost or no obligation.

Speaker 3 (43:41):
That sounds fantastic. Trip. It's a courtesy service provided to you,
no cost, no obligation. It's a chance to get educated
and enlightened. So call right now. Eight hundred nine four
zero six nine seven nine. That's eight hundred nine four
zero sixty nine seventy nine. Quick break. We're back with
more on a road retirement with Trip Limehouse.

Speaker 4 (43:59):
After this, all right, we need to take a break,
and when we come back, we're going to dig into
questions from listeners.

Speaker 11 (44:07):
Hang on, you've worked all your life, you've saved, you've
followed all the rules.

Speaker 5 (44:19):
Now it's time to retire.

Speaker 11 (44:21):
Here's the question. Who do you want.

Speaker 5 (44:23):
Relaxing and taking it easy, your nest agche or you. Well,
of course you want to relax and travel and enjoy
and next age.

Speaker 3 (44:32):
You've got more work to do for a retirement.

Speaker 5 (44:34):
That maximizes your portfolio, your social security, avoids unnecessary risk,
protects you from pitfalls, and frankly let you retire and
keeps the next each working. You need a retirement partner.
You need someone looking out for your best interests and
building a plan for you based on your situation. Call

(44:55):
trip Limehouse at eight hundred and nine four zero six
nine seventy nine. Text trip to RiPP to eight hundred
and nine four zero six nine seven nine. That's eight
hundred ninety four zero six nine seventy nine, or text
trip to eight hundred and nine four zero six nine
seven nine.

Speaker 3 (45:12):
If bad money habits constrain your financial progress, it's time
to alter your behavior.

Speaker 4 (45:18):
Here's another bad money habit.

Speaker 2 (45:19):
To break, being financially illiterate. The financial world can be
extremely complicated, and most people don't rush home to read
the latest financial news. But knowledge is power, and some
knowledge of the financial world can be empowering. Now we're
not talking about getting a degree in economics from Harvard,

(45:40):
but reading an article online every day can greatly increase
your financial understanding. Many are very interesting, and the search
is not hard at all. Online news feeds are so intuitive.
Once you click on one story, more and more will come.
It's amazing how a daily read will turn on that
financial a light.

Speaker 4 (46:00):
Bulb in your head.

Speaker 2 (46:02):
And article four two by day will keep the bad
money habits away.

Speaker 3 (46:12):
Welcome back. This is our final segment on the Road
to Retirement with Trip lime House. It's always a pleasure
to be hanging out with Trip. You know, you get
to be we get some good insight, we get to
you know, hear your stories because you've got great stories.
So let's jump into some of this Trip. I mean, what,
what's what's a highlight for the week, So you know,

(46:34):
a memorable client, give me that.

Speaker 4 (46:37):
Well, we sat down with a lady who had attended
one of our workshops and folks, I would encourage you
to visit Limehousefinancial dot com under the events tab to
check out upcoming events. So she attended our event and
she also was a listener on the radio Road to
Retirement show, heard us talk about social security and income planning,

(46:58):
and and she she did knew she recognized that she
needed additional help over and above what she has been receiving. Okay,
and this is a great classic example of the type
of people that we're working with, because she had saved
an excess of seven figures in her retirement accounts, and

(47:20):
she heard us talk about a difference between an account
and a plan, and so she came to the event
and after the event, she came up and she said,
you know, Trip, all the things that you have mentioned,
it really perplexes me that this major institution that I'm
working with, and I'm not going to name that institution,
has never brought up these things that you are talking about.

(47:41):
The only thing they've ever talked about is buying and
selling in a rated of return or a yield or
you know whatever. And she said, clearly, I need to
be working with you as an expert in this area,
so anyway, you know, we're able to help this lady.
She came in and that was the highlight of the week,
you know, meeting her, hearing that, having her come to

(48:02):
the office, you know, diving deep into what she has,
more importantly, identifying the things that she doesn't have that
she needs to have in order to be successful. And
at the end of our first appointment this past week,
she said, I'm so thankful that I that I took
the time to come in and see you, and I'm
really looking forward to coming back and receiving this plan

(48:24):
into working with you, working with you on my retirement.
So this is good stuff, Steve, And that's you know
what I mean. That's that's that's a classic. We hear
those types of things from people all the time, and
we're different than others out there. We are income and
distribution planning experts helping people get to and through retirement,
and we're having fun doing so, myself and my investment advisor,

(48:45):
Jonathan O'Reilly. So yeah, I appreciate you asking. We like
to share others experiences, you know, on the air, and
sometimes that's enough to motivate a person to call in.
Speaking of call ins, let's take some of these questions.

Speaker 3 (48:58):
Well, let's do it. Melanie's up first. She's in Gilbert
and she's a teacher, and she's got three hundred and
fifty thousand dollars in her FOURAL three B and she
wants to balance growth and protection. She's unsure if an
annuity option within their FOURAL three B is worth the fees.
How should they compare the annuity to other conservative investment options.

Speaker 4 (49:18):
Hey, Melanie, thank you for being a teacher. Teachers are
so awesome and so important, overworking and underpaid. Wow, what
a great job you've done having that three point fifty
and that four oh three B. First thing to point
out is, you know, annuities are really great, great, great
options to protect and preserve and create income for life.

(49:39):
It just needs to be the right kind. Now, when
you look at the options within your four oh three B,
I'm very familiar with those there, I would say not
quite the best option for you. Okay, they're just limited
as to what they can offer. So Melanie, what I
would encourage you to do is come on in because
at Lmehouse Financial, we're independent and we're brokers, so we

(50:01):
can go out there and find what would be best
for you, put it on the table and make that recommendation.
Versus other conservative investment options. I think you still should
have some of those, but definitely to create income for life,
guaranteed income for life, you know, using the green Line
principle would be an excellent way to go. Folks. Visit
green Line principle dot com to learn more about a

(50:22):
safe money strategy where zero is your hero and you
can't lose any of your money, and you've got a
lot of upside potential and you can create guaranteed income
for life. So Melanie, I look forward to seeing you
and building a plan for you to help you be
successful on this upcoming journey.

Speaker 3 (50:38):
Eight hundred ninety four zero six nine seven to nine. Melanie,
give us a call. We'd love to hear from you.
And now we are going to hear from Chris and Melissa.
They're a couple, they're in their mid sixties and they're
looking at a deferred annuity to cover potential long term
care costs in their later years. Now, they're unsure how
the deferral period and potential inflation impact might affect this strategy.

(51:02):
What should they consider?

Speaker 4 (51:04):
Hey, guys, it's good to hear from me Chris and Melissa.
Thanks for calling into the show and listening to the
road Retirement Show. Always a pleasure to hear from folks
out there. I think that when you're looking at things
to cover long term care costs, there's a lot to consider,
and you know, using a defer to nudy could in

(51:24):
fact be a good strategy for that. I'm you know,
I'm more of a fan though, if you guys are
healthy to look in at something like a traditional or
a hybrid long term care plan where you have a
set benefit or maybe a set premium that cannot increase.
You know, the defer to nudy is just going to
be a pile of money that sits there and grows.

(51:45):
But reality is, if you did any long term care,
you could potentially spend all that money run out of
that money, and I would not want that to happen
to you. So there may be an alternate strategy that
could be more effective to protect you against the cost
of long term care. So, you know, come on in
and see us and let's work through all of that
with you. You know, talk about the asset based long

(52:07):
term care that could be a great thing over just
a defer annuity, or talk about you know, traditional long
term care plan or a hybrid long term care plan.
So we help people with this all the time, long
term care planning, folks. We're here at Limehouse Financial to
do one thing. We want to help you avoid the
wrong terms on the road to retirement that lead to
a dead end. And I want to offer the next

(52:29):
ten callers a written plan for retirement, no cost, no obligation,
individualizing customers just for you. But you must be one
of the next ten callers, okay, to receive this no cost,
no obligation, written plan for retirement call in right now
sounds like a.

Speaker 3 (52:46):
Plan trip, Give us a call. It's why we're giving
you the opportunity to review your individual circumstances. Again, no cost,
no obligation. What will you find out? Will you find
out how much risk you could be taking? How about
red flags that could be a problem for you down
the line. Do you really know how much you're paying
in fees or commissions? It's time you found out. Let
trip take a deep dive. What about potential tax liabilities?

(53:08):
And of course a lifetime retirement income plant that includes
maximizing that's very important social Security benefit. Take advantage of
this complimentary review by calling us right now. Eight hundred
ninety four zero six nine seven nine, eight hundred ninety
four zero sixty nine seventy nine. Boy, this is it.
Trip we have got been a fun, fun show.

Speaker 4 (53:27):
I love it, folks. Thanks for spending time with us
at the road Retirement show. Tune in next week for
another fantastic episode, and until then, God bless you.

Speaker 2 (53:40):
The information provided is for illustrated purposes only and does
not constitute investment, tax or legal advice. Information has been
obtained from sources that are deemed to be reliable, but
their accuracy and completeness cannot be guaranteed. Either trip Limehouse
nor his guests are liable for the usage of information discussed.
Always consultable the qualified investment, legal or tax professional before
taking any action