Clear Skies Retirement

Clear Skies Retirement

Welcome to "Clear Skies Retirement," the podcast dedicated to guiding you through the unpredictable journey of retirement planning. Whether you're approaching retirement or already adjusting to its reality, "Clear Skies Retirement" helps you manage your finances to ensure a stable, secure, and fulfilling future. From investment strategies and savings tips to tax planning and estate management, we cover all aspects of financial stability in your golden years. Join us every week as we tackle the toughest challenges facing retirees and answer your burning questions about retirement. No matter the turbulence in the markets or changes in regulations, with "Clear Skies Retirement," you’re never flying solo. Get ready to turn your retirement goals into your everyday reality. Subscribe now to step confidently into a future of clear skies! If our podcast has you thinking you might need a second opinion on your retirement plan, reach out to us here 👉 https://bit.ly/3y8MvI4

Episodes

July 15, 2025 22 mins

On this episode:

  • Will this stock market get knocked out or come up off the mat?
  • How much money do we need that is easily assessable and out of the stock market?
  • The cost of living in your state may determine if you run out of money. Where does your state rank?

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On this episode:

  • For the first time in memory, the number you need for retirement has dropped! Why?
  • Should you wait until 73 to access your IRA? Maybe not.
  • The Newark Airport is plagued with poor communication, outdated equipment, and no future plan. Is your advisor the same way?

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On this episode:

  • Actual math and "Wall Street" math are two different things.
  • What in your retirement plan is outdated or unnecessary?
  • The fear of running out of money is causing people not to spend and enjoy they retirement.

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On this episode:

  • Politics are bouncing the market. How do you adjust?
  • A steady retirement paycheck seems to be the secret of spending confidently.
  • A “don’t let this happen to you” tax story.

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On this episode:

  • Portioning your money with purpose: taxes, risk, long term, and short term.
  • Watch out for this IRA conversion misstep.
  • Is running out of money really that common?

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Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to ww...

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On this episode:

  • Some big names in business are selling stock for cash. Is there something to learn here?
  • There are likely financial fees in your 401(k) and IRAs. What is the long-term impact?
  • Some people say they don’t worry about running out of money. What is their secret?

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On this episode:

  • 1 year, 5 years, 10 years? When is the right time to start talking about dialing back your market risk as you approach retirement?
  • Are Boomers so worried about running out of money that they are neglecting estate planning?
  • How your 401(k) comes up short.
  • How getting financial advice from your family, friends or even Tik Tok can hurt your retirement.

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On this episode:

  • If the current market volatility has you worried, what are your options?
  • Replacing your paycheck in retirement. When do you start?

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Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com

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On this episode:

  • Is this current market the beginning of something bigger?
  • The Roth IRA may be your biggest retirement asset.
  • How money is leaking out of your budget.

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Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.c...

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On this episode:

  • With all the current volatility, is it time to think outside the stock market?
  • Why it's important to have an income plan in retirement.
  • How much waste do you have in your retirement plan?
  • The author of the 4% Rule says you should INCREASE your market risk in retirement. Why is this not realistic?

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On this episode:

  • The chance of a recession is growing.
  • How do you protect your retirement money?
  • How “buying the dip” can apply to tax planning.

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Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com

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Feeling overwhelmed by market fluctuations? Jay Kirkwood tells you why it's crucial to structure your assets to ensure a reliable income stream, even when the market is unpredictable.

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Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to w...

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On this episode:

  • With DOGE cutting nearly 300,000 Federal jobs, many federal employees are facing early retirement or job loss. 

  • Are Boomers so worried about running out of money that they are neglecting estate planning?
  • If the math says you can retire, why are you still working?

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On this episode:

  • Looking at market corrections over the last 60 years.
  • If Social Security has to cut back your check, are you ready?
  • There are millions of people depending on their 401(k) in retirement. Tony Robbins points out the flaws we have to work around.

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On this episode of Clear Skies Retirement:

  • Your 401(k) plan is not a retirement plan.
  • How family, friends, and the internet can fail you with financial advice.
  • You can’t control tariffs, the Fed, and the economy. You CAN control where and how your retirement money is invested.

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Check out our YouTube page for more retirement tips from Jay!

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On this episode:

  • Is the bull market over? Is this going to get worse?

  • How do you make your best Social Security decision?

  • Should you hang in there one more year before you retire?

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Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go...

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On this episode:

  • How will interest rates affect your retirement strategy?

  • Shark Tank’s Kevin O’Leary reverses his position on retirement, while Mark Cuban says the stock market is for suckers.


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Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Re...

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We discuss identifying and adjusting your risk levels for your market money. Also: Why do Millennials and Gen Xers believe they will retire at 60 and Boomers say 68? Plus: The Top 6 Reasons people avoid using a financial advisor.


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Check out our YouTube page for more retirement tips from Jay!

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February 25, 2025 25 mins

There are a lot of questions you may have about retirement, but let’s get the biggest one out of the way first.


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Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com

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On this episode:

  • Mixed messages from financial media. How do you find the truth?
  • Grandpa meant well but his will has caused hard feelings.

Subscribe or follow so you never miss an episode!

Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com

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