Your Retirement, Your Way

Gary Garland of Integrated Wealth Solutions discusses the trillions people leave behind in old retirement accounts and the pros and cons of the different ways to move that money. Gary also stresses the danger of cashing out an old 401(k). Gary also talks about portfolio items that may have once been practical but now are not working as well, such as mutual funds, and also the importance of making routine checks on a financial plan ...

Gary Garland of Integrated Wealth Solutions discusses the sheer uncertainty in the market and how to position a portfolio to perform in any condition. He also talks of the merits of Roth conversions and how they affect Medicare costs. Then Gary goes in-depth about how each person’s situation is different and how the Integrated Wealth Solutions Second Opinion Service does full x-rays of portfolios. Gary shares how he spends ho...

Gary Garland discusses the travel woes and causes of them at nearby Newark Airport (and how he got stuck in them). He then relates that to inefficient, frustrating, and obsolete retirement portfolios. Gary explains how mutual funds and some other tools just are not right for today’s market conditions and shares how products like annuities often better suit people. Gary also talks about red flags for inadequate advisors and wh...

Gary Garland talks about the all-important, oft asked question of when to start taking Social Security. Gary lists a number of factors, including the implications on one’s spouse and tax bill. Gary also tackles the six-figure number that the average person is going to need in healthcare costs and discusses several ways to plan for an save for these inevitable costs and the huge long-term care costs that many people do not con...

Gary Garland sifts through some tips about dealing with the ups and downs of the stock market. Gary shares a familiar warning about sequence of returns and how Integrated Wealth Solutions’ complimentary portfolio x-ray helps people set a plan with the level of risk tolerance they prefer. Gary also talks about putting money into the market when it is down and the benefits of avoiding knee-jerk reactions. And Gary shares his ap...

Gary Garland relates increasing airline baggage fees to those secret fees in a portfolio. Gary explains how an Integrated Wealth Solutions portfolio risk analysis helps find bloat and redundancy inside of financial plans. Gary also contests the idea of the worst of the market volatility being over with, given the political climate and some trends he has seen. He also describes his next two financial seminars in June.

Come to the ne...

Gary Garland talks about former NBA star Jeremy Lin’s mom’s big sacrifice from her 401(k) and why drawing from a retirement account early is a big risk. He also talks about finding the right time to convert a traditional IRA to a Roth and why an advisor can help determine that. Gary also discusses “First Fridays” in the Integrated Wealth Solutions office in Manalapan and how listeners can get custom swag.

Co...

Gary Garland discusses a major reason retirees re-enter the workforce: boredom. Gary explains how some simple questioning from an advisor can help someone in or near retirement make a decision best suited for them. He also talks about people that start working again because they do not have enough money and some ways he can help them come up with a better income plan.

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Gary Garland discusses an 81-year-old waitress getting an unexpected six-figure gift and the things to watch for in any financial windfall. And he talks about the impact on small businesses, as thousands of Baby Boomers exit the workforce daily. Gary explains how an advisor can help as both money and retirement planning become more complicated and how handling these things on one’s own can be very costly.

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Gary Garland laughs at a throwback Conan O’Brien bit that teases people for not buying certain high stocks. Gary shares how people can be proactive in their retirements and plan a few steps ahead, so people can feel like they missed out on less. Gary also chuckles at a couple’s fight over the thermostat and he relates that to couple’s who enter the Integrated Wealth Solutions office with different ideas on saving ...

Gary Garland discusses the recent market volatility and the hive mindset that makes it worse. Gary discusses how even the volatility from these unusual tariffs has been seen before and why people should not overreact both mentally and with their funds. Gary also describes what his “First Friday” event on May 2nd and his dinner seminars on April 22nd and 23rd will be like.

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Gary Garland discovers the best kind of accounts in which to place “lazy money” while interest rates remain higher. Gary discusses how each person’s scenario determines the retirement plan that works best for them. He also discusses Bill Bengen’s “4% Rule” – and other conflicting ones – and why leaving too much money exposed to the market can be big trouble.

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Gary Garland talks about tidying up and sprucing up portfolios. Gary shares the dangers and the missed opportunities in not updating one’s portfolio and how people are underserved by advisors that do not check in with their clients to do this. Gary also describes the difference between phase one and phase two retirement planning. And he shares about why overreacting to the current financial volatility is futile, compared to s...

Gary Garland talks about one widow’s long battle with a corporation to get her husband’s pension and the big mistake he made that caused this conflict. Gary also talks about the latest in the deaths of Gene Hackman and his wife and how their complicated wills are creating a mess. Gary leans on his 30+ years as an elder law attorney to share tips on guardianship, trusts, wills, and beneficiaries. And he shares what Integ...

Gary Garland discusses how minimizing worry gave John Oates freedom, how to account for retiring at an unplanned age, and why every season is money-prep season. Gary discusses a New Jersey polar plunge for charity and also talks about “First Friday” events at IWS and his dinner seminars April 22nd and 23rd.

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Gary Garland discusses how high interest rates have made annuity sales soar. Gary shares the situations that annuities work best for people and how he helps people find the right financial plan for their needs. He also discusses the fees in 401(K)s and comments on Daytona 500 winner William Byron’s lack of packing extra clothes in case he won the race.

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Gary Garland talks about why annuities could be the canned goods of finances. Gary explains why they have had a bad reputation and why Integrated Wealth Solutions offers only certain kinds to people. Gary discusses how these annuities are more beneficial to people than others. Gary also discusses the idea of the economy this decade being compared to the 1920s and the events that could lead up to that being true…and what&rsqu...

Gary Garland discusses Gary’s taking “Your Retirement, Your Way” to radio on 92.7FM/1310AM WOBM on Sundays at 8am! Gary explains what we he will be able to do more of and encourages people to call Integrated Wealth Solutions at 732-838-4770 or email them at info@iwfamily.com with questions and show ideas. Gary also explains what IWS does for clients and how his decades as an attorney give him a unique vantage...

Gary Garland discusses long-term care insurance and how it is not just for late-life care. Gary discusses the difference between this and life insurance and the staggering amount of money someone with long-term care insurance can save, instead of paying out-of-pocket. Gary also shares two very personal stories about this subject and about the many different options people have. And Gary shares about his recent trip with his family ...