Your Powerful Legacy Radio with Kristina Ping-Kepperling

Your Powerful Legacy Radio with Kristina Ping-Kepperling

Kristina Ping-Kepperling provides vital information on proper retirement planning. The author of the book "The Retirement Train" discusses the strategies that can be custom fit for you in implementing her "on track retirement system." These strategies include building income, employing proactive tax strategies, and the pitfall protection people need to maintain a long retirement.

Episodes

September 23, 2022 50 min

In the midst of recent market volatility, what are the major concerns of retirees and pre-retirees?  Kristina breaks that down in looking at how Americans feel about the future of their retirement, the level of their fear of running out of money, and their ability to cover living expenses.  She then discusses her approach to a safe withdrawal rate and moves into RMD mistakes to avoid.

You can reach Kristina Ping Kepperling by calli...

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Kristina looks at the issues that will present themselves in the future with tax-deferred retirement savings and offers some solutions.  Challenges you could potentially face include snowballing required minimum distributions, possible higher Medicare premiums, and a tax burden on your heirs.  Solutions presented include shifting savings from pre-tax to Roth and considering Roth conversions.  She also talks about retirement regrets...

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Kristina outlines five risks of retirement including longevity, healthcare costs, poor asset allocation, and inflation.  What if you find yourself with excess money in retirement?  She covers some strategic ways you can gift money and assets now.  Kristina closes with the options you have with your 401(k) once you retire.

You can call Kristina Ping Kepperling at 800-832-1100.

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September 2, 2022 52 min

Kristina tackles some of the questions frequently asked by those before they enter retirement.  Questions answered include concerns over inflation, wondering about retirement income necessary, and how to prepare for out-of-pocket health care costs.  Kristina then moves into alternatives to traditional long term care insurance that can be used as protective elements and then warns of some retirement saving bad habits to avoid.

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August 26, 2022 52 min

Kristina examines a recent Transamerica survey conducted to determine what people know and don’t know about retirement planning.  She comments on a surprising statistic of a low percent of workers who actually have a written plan and stresses the need of implementing strategies and understanding asset allocation.  She then moves into tips on how to boost your retirement savings such as automating your efforts, sticking to a budget,...

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Kristina addresses the concerns on the minds of everyone and especially those entering retirement.  Those concerns are, of course, inflation, recession, and the overall economic climate.  She also talks about the best protection strategies.  He examines a BlackRock survey which asked retirees and savers to describe their “go to” savings and growth vehicles and closed with dispelling myths about annuities.

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Kristina looks at why more retirees are making the decision to return to the workforce.  She points at what to consider in your planning to help make sure you only return to work by choice.  She talks about how recession fears and high inflation are driving these decisions.  Kristina then covers tips to keep your retirement finances in good shape such as understanding your lifestyle expenses, creating that retirement paycheck, and ...

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Kristina looks at the state of our economy and offers information on best protective strategies for retirees and soon to be retirees.  She then turns to spousal retirement strategies when there is a significant age gap.  Kristina closes with tips on stretching retirement dollars including the proper Social Security decisions for you, diversification of your portfolio, creating a budget, and building retirement pay checks.

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Kristina talks about properly managing the concerns felt by retirees in the middle of possible recession, the highest inflation in forty years, and rising interest rates.  She discusses the inverse relationship between the stock and bond market and explains how proper planning can set retirees up with built in income streams that can help ease the anxiety.  She discusses how he determines his client’s “numbers” to better custom pla...

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Kristina covers steps to take in the financial red zone, the five to ten years before you retire, that can help make sure your money takes you all the way through retirement.  She covers creating tax-diversified sources of income, looking at opening a Health Savings Account for those eligible, eliminating debt, and creating that financial plan with a retirement specialist.  What is the compounding effect of inflation and the loss o...

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Kristina demonstrates how small measures could make a big difference in light of the current economic climate.  Strategies discussed include using credit cards to your advantage, reevaluating your insurance coverage, and even looking at services to consider cutting such as streaming services you never use.  She then moves to potentially costly mistakes to avoid such as accessing retirement funds early and failing to maximize your S...

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Kristina points out the risks of retirement planning and focuses on risks of today including market volatility and inflation.  She goes into the strategies that should be considered by pre-retirees and retirees given the standard risks and the risks of our current economic climate.  She moves into good retirement preparation strategies especially for those with just a few more years to work.  She then moves into how married couples...

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You want a retirement with as few regrets as possible.  What are some things you can do in the financial red zone to avoid having those regrets?  Kristina covers that in this podcast.  She also addresses the current economic climate with the bear market, inflation, rising interest rates, recession possibly looming and what retirees and soon to be retirees should be considering.  She closes with good financial red zone moves to make...

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Kristina points out how retirement planning is different now due to many factors such as dwindling pensions and longevity.  She talks about the importance of building income, protecting your wealth, and factoring in health care costs and inflation.  She then moves into discovering fees you may be paying and avoiding unnecessary costs in retirement including penalties.  Kristina also shares some simple strategies that could make a b...

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Kristina explains what should be considered in formulating your retirement plan including knowing your vision, your day-to-day expenses, reviewing your assets, your risk, and your potential tax liability.  The conversation then moves to options available with your old 401(k) and mistakes to avoid helping to make sure you don’t run out of money in retirement.

You can reach Kristina Ping Kepperling by calling 800-832-1100.

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Kristina covers some important considerations when you first launch retirement to help preserve your wealth.  She then moves into what could be new rules of retirement post-pandemic and given that people are living longer.  Kristina then goes over the planning strategies in the scenario of one spouse retiring and the other still working.

You can reach Kristina Ping-Kepperling by calling 800-832-1100.

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Kristina stresses the importance of proper financial knowledge and in knowing what to expect when it comes to retirement planning.  She also covers how retirement accounts and dividend stocks can be a great pairing and then goes over some basics to consider as you approach retirement such as time horizon, income needs, risk tolerance, estate strategies, and long-term care protection.

You can reach Kristina by calling 800-832-1100.

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Kristina goes over what should be considered when nearing retirement such as taking advantage of catch-up contributions, looking at your investment strategies, and making decisions about your Social Security.  The discussion then moves into fortifying your portfolio and your retirement plan during times of market volatility and five mistakes to steer clear of when considering your retirement strategies.

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June 2, 2022 53 min

Kristina breaks down the cumulative impact of federal and state taxes in retirement looking at Traditional IRAs and 401(k)s, Social Security, pension, annuities, and dividends.  She also provides an update on Secure Act 2.0 and the proposed provisions as they stand now as this legislation works its way through Congress. 

You can reach Kristina by calling 800-832-1100.

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Kristina discusses what to consider in helping to make sure you maintain the lifestyle you want in retirement and how to watch for fees and elements that could be eating away at your retirement.  She also stresses the importance of couples being on the same page when it comes to retirement strategies.

You can reach Kristina by calling 800-832-1100.

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