Road to Retirement 05-17-2025

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. Coming up next,

(01:57):
do you want to avoid.

Speaker 2 (01:59):
Taking a wrong 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 band.

Speaker 2 (02:06):
Rock, 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 diamound to map it out that road
to retirement is.

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

Speaker 4 (02:26):
Partners, my money is safe using the green line principle
that you taught me about. Thank you so much. 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,
Jonathan Riley, and really the whole rest of the team.

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

Speaker 4 (03:07):
Yeah, 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 that the smell, you know, the
air smell so fresh after a good rain, but in

(03:28):
particular washing away all the pollen. You know what I mean.
You know, I'll tell you what 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 new developments

(03:50):
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 one I'm

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

Speaker 3 (04:22):
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 tariffs 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 tariffs on imports from Canada and Mexico

(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 it
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

(05:33):
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 and 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've 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 team 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 sixty
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 goal 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 headlinees 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 gut
to 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 nine four zero six nine
seven nine or text trip gripp to eight hundred and

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

Speaker 6 (09:34):
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. A call trip Limehouse host of Road

(09:55):
to Retirement eight hundred nine four zero six nine seven
nine or text trip trip 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 caller, text trip to eight hundred
nine four zero six nine seven nine.

Speaker 3 (10:15):
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,

(10:36):
retirees and pre retirees. You know, you can look at
the market Trip in any given day, you know, you
can see a swing of you know, one hundred, 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, yeah, it is.

Speaker 4 (10:53):
And 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 be changed. And we

(11:15):
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 first segment today on the show,

(11:35):
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. Uh,
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 just changes, you know,

(11:58):
and causes fluctuations and 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. Limehousefinancial
dot com. We are experts in social security and income

(12:19):
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 to you, not at all. Yeah, what kind

(12:40):
of an impact does that have 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 and and and sell off their holding Steve, and

(13:03):
and and. In fact, 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 you know, that's a that's a huge that's a
huge deal. Well, you know, folks, what can you do

(13:26):
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. It's going to allow you the opportunity

(13:47):
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, I mean maybe some things like dividend

(14:09):
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 difficult times when they arise, which they have

(14:32):
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. And you know, if you're out

(14:52):
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 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 enjoy managing things on their own, and

(15:15):
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 unaccounted for is like you know,
imposed tariffs and global trade wars or whatever. You know.

(15:38):
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 (15:54):
Always?

Speaker 4 (15:56):
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,

(16:20):
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've worked so hard for. And

(16:40):
I'm not saying all of it. I'm just saying a
portion of it. By utilizing the green line principle green
Line principle 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

(17:01):
changing 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

(17:22):
customize 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 this 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

(17:42):
the next ten minutes.

Speaker 3 (17:43):
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

(18:05):
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 (18:12):
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 7 (18:36):
If you remember these TV shows you're getting ready to retire.

Speaker 4 (18:40):
And everybody see a big pair of feet there, cheezy mustache,
I'll think of you, you guts well, I.

Speaker 7 (18:47):
Hate I'm one guy who ain't prejudiced against anybody who
maybe lestship by than me. It kind of sneaks up
on you, doesn't it.

Speaker 3 (18:57):
Oh geez?

Speaker 7 (18:58):
Do you deserve a secure or independent retirement, our retirement
that is prepared to handle pitfalls like inflation, health emergencies,
stock market volatility, and taxation. You worked hard for your
money and will work just as hard to protect it
and grow it. Retirement planning doesn't have to be difficult.

(19:22):
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 four zero sixty nine seventy
nine or text trip to eight hundred nine four zero
six nine seventy nine.

Speaker 8 (19:41):
Hurricanes, tornadoes can 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. Call Trip
Limehouse and his team at Limehouse Financial today and eight
one hundred nine four zero sixty nine seventy nine, or

(20:03):
text 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 (20:20):
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 com. That's
the website you can connect with Trip. Right there. You

(20:40):
can meet 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 (20:51):
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 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

(21:15):
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

(21:35):
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.

Speaker 3 (21:54):
If you so choose what trip you mentioned the podcast,
I'll tell you what you are now at episode two
hundred and three.

Speaker 4 (22:00):
See two 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,
uh tariffs, We've talked about stock market volatility, and you know,
now I'm going to get into global economic slowdowns. You know,

(22:20):
a growth forecast are lowered. Now how does 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, gosh, what what what
does that mean for me? Right? You know? Moving forward? Well,

(22:41):
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 is more

(23:02):
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, I want you to focus on your liquidity.

(23:24):
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 and through retirement. Okay, we always include a

(23:48):
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 your financial security. And I also want you
to delay major withdrawals from retirement accounts if possible, to

(24:10):
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 eight hundred nine four zero six nine
seventy nine. Limehouse Financial dot com is where we are

(24:31):
on the web. I want you to take a minute
to visit retirement successrate dot com. You know, 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 talk about professional money management, we've got
to talk about safe money strategies, and the list goes

(24:51):
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 retirement successrate dot com to learn more.
Retirement success rate dot com to learn more. Everybody who

(25:16):
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, through proper planning from a
fiduciary capacity, only making recommendations in a person's best interest,
how they can have a high retirement success rate. And

(25:36):
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 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,

(26:00):
Lower interest rates are always a better thing.

Speaker 3 (26:02):
We all do, of course.

Speaker 4 (26:03):
Yeah, Well, I mean I mean economic uncertainty. You know,
expectations have risen 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.

(26:24):
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. You've got to seek alternative income generating investments.
I mean, don't 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

(26:48):
refinancing your retirement. Okay, we do it everyday Limehouse Financial.
We refinance people's retirement and we help them do better
amid a changing environment on ongoing basis. Out there, folks,
it's time for you to take advantage of our next
offer the days for It's for the next ten callers
in the next ten minutes. It's a written plan for retirement,

(27:11):
built by our team of certified financial professionals, provided to
you at no cost 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 (27:32):
Eight hundred nine four zero six nine seven nine. 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 right, 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

(27:53):
hundred nine four zero six nine seventy nine Again the
consultation offered, no cost, no obligation. Make that call today
eight hundred ninety 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 (28:08):
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

(28:29):
might surprise you. We're going to get into that coming
up on the Road to Retirement show next.

Speaker 3 (28:41):
This is such a blow to invest do it right now.

Speaker 9 (28:47):
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.
Called Trip Limehouse, host of Road to Retirement eight dred
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

(29:09):
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 (29:17):
Hey, welcome back everybody. This is the Road to Retirement
with Trip Limehouse c 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 to our money.

Speaker 4 (29:44):
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.
That's why we've got side mirrors or review mirrors, you know,
and the when you look through the windshield, got to
always be looking around. And you know, our job here
at Limehouse Financial is really to help people avoid the

(30:08):
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. It's going to be very

(30:28):
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

(30:49):
thanks for all the support 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,

(31:10):
welcome in. You're in the 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. Yeah.

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

Speaker 4 (31:30):
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 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, and

(32:12):
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,

(32:32):
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,
like my stepmom had bypass surgery years ago and they

(32:56):
didn't even open her up. It was robotic. I mean
that's pretty crazy, you know, 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
you're going to face on this long journey called retirement,
and that's the possibility of you outliving your money. It's

(33:18):
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 (33:27):
Oh no, of course not.

Speaker 4 (33:28):
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

(33:51):
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. You know.
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. You know.
But on the subject of longevity risk, what does it

(34:11):
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 have never met a person that says, don't.
I don't care if I outlive my money. That'll be crazy, right,
just to not care about that, you know. So I

(34:34):
want to just touch on a solution, a solution for this. Okay, good, Okay,
what do we got? 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

(34:55):
determines outcome during retirement, in particular guaranteed a lifetime income. Okay,
that's the key to avoiding longevity risk. Or to eliminating
longevity risks. Okay, folks, we've got to diversify our income streams.
We've got to maximize and optimize social security. We've got

(35:16):
to have all investments working at any given time to create,
you know, a solid safety net for us. I'd like
you for 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

(35:40):
is a controllable risk, and that's good news for you.
Guaranteed income for life. Folks, we help you every day.
Structure this into your plan eight hundred nine four zero
six nine seven nine eight hundred nine four zero six
nine seven and call in and ask us about how

(36:02):
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 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

(36:24):
to manage effectively. Well, it'd be inflation. The I word.

Speaker 3 (36:31):
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.

Speaker 4 (36:51):
Well 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,

(37:13):
however long it was, and I mean I would go
to this store, and I mean I'd buy a dozen
eggs and you know, a dollar twenty five or something
like that. Right. Sure, 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

(37:34):
the grocery store 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 daughter is 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

(37:55):
my gosh, still a dozen eggs and it was, you know,
like six bucks or something. I just quickly. 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,

(38:16):
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,

(38:39):
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 Greenlineprinciple

(39:03):
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 Line Principle

(39:23):
safe money strategy. But you know, when we build plan 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 long journey, but

(39:46):
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 nagement. So another thing I'm
thinking about now is, uh, this is just a constant thing.

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

Speaker 3 (40:16):
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.

Speaker 4 (40:25):
About, in particular long term care. Who that exactly? Who
the heck wants to think about that, you know, being
in a nursing all 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

(40:48):
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 big 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

(41:12):
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's changed now

(41:36):
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

(41:56):
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.

(42:17):
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 and a
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

(42:37):
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 job, folks. We're here at
Linmouse 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 Road Retirement Show on the

(43:00):
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.

(43:24):
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 (43:39):
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 the road to retirement with Trip Limehouse.

Speaker 4 (43:57):
After this, all right, we need to take a and
when we come back, we're going to dig into questions
from listeners.

Speaker 10 (44:05):
Hang on, you've worked all your life, you've saved, you've
followed all the rules.

Speaker 5 (44:17):
Now it's time to retire. Here's the question. Who do
you want relaxing and taking it easy, Your nest Egge
or you. Well, of course you want to relax and
travel and enjoy and nest Egg, You've got more work
to do for a retirement that maximizes your portfolio, your
social security, avoids unnecessary risk, protects you from pitfalls, and

(44:39):
frankly lets you retire and keeps the next aach 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 trip Limehouse at eight hundred
and nine four zero six nine seventy nine, or text
trip tripp to one hundred and nine four zero six

(45:01):
nine seven nine. That's eight hundred and nine four zero
six nine seven nine. Or text trip to eight hundred
and ninety four zero six nine seven nine.

Speaker 2 (45:10):
If bad money habits ton strain your financial progress, it's
time to alter your behavior. Here's another bad money habit
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

(45:34):
not talking about getting a degree in economics from Harvard,
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

(45:57):
financial light bulb in your head and article or two
a day will keep the bad money habits away.

Speaker 3 (46:10):
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's what's a highlight for the week, So you know,

(46:32):
a memorable client, give me that.

Speaker 4 (46:35):
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,

(46:56):
and and she just 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

(47:19):
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.

(47:39):
The only thing they've ever talked about is buying and
selling in a rat 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

(48:01):
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

(48:22):
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,

(48:44):
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 (48:57):
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 four oal three B is worth
the fees. How should they compare the annuity to other
conservative investment options.

Speaker 4 (49:17):
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.

(49:38):
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 Lamehouse Financial, we're independent and we're brokers, can

(50:00):
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

(50:21):
safe money strategy where zero is your hero and you
can't lose any of your money and you 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.

Speaker 3 (50:36):
Journey eight hundred and 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

(51:00):
might affect this strategy. What should they consider?

Speaker 4 (51:03):
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

(51:23):
fact be a good strategy for that. I'm you know,
I'm more of a fan though. If you guys are
healthy to looking 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. But reality is,

(51:46):
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 term care that could be a

(52:07):
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

(52:28):
to offer the next 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.

Speaker 3 (52:46):
Sounds like a 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 plan 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 nine
four zero sixty nine seventy nine. Boy, this is it, Trip.
We have got 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.