Successfully Retired
Join Financial Advisor Hamilton Brandenburg and Guests as they talk all things retirement planning. Subscribe today and learn more about my firm at https://brandenburgfs.com
Episodes
Ever heard of looking for a needle in a haystack? It's what stock pickers do day in and day out, trying to find the best performing investment.
But is it a good strategy? Tune in as Rick Luchini and I discuss a study that digs into the answer to this question, with shocking results, even for passive investors.
It's no surprise to most of us that work is a big part of our identity. Whether it's at a networking event, a little league game, or the neighborhood BBQ people's first question is often "What do you do for work?" Many of our clients are very successful as employees who've climbed the ladder. When they retire, it's up to them to reinvent some part of who they are.
Listen in as Rick and I share stories of clients who have succes...
One of the cruel ironies of money is that if you're a really good saver, spending down your investments is a tough mental switch. In today's episode Rick and I unpack some of our thoughts on why the middle-class millionaire retiree often times spend less than they could afford to - even if there are things they want to spend on!
"Money is fuel, it only serves it's purpose when it's burnt."
Listen in on real-life stories fro...
It's the thing they're not making any more of - and no I don't mean bitcoin. Real estate.
Adding real estate to your investment portfolio is, for many people, a huge way to accelerate their wealth. I'm saying that and I don't even have a course I can sell you on how to 10x leverage yourself into an early AirBnb retirement.
But should you own real estate in a self-directed IRA? It's a less commonly known but completely legal wa...
In this episode Hamilton and Rick break down the best ways to save for a child’s future—comparing 529 plans, UTMA custodial accounts, and joint brokerage accounts. They cover the pros, cons, and recent 529 rule changes that add flexibility, including Roth IRA rollovers. The takeaway: don’t default to a 529—match the account type to your goals, control needs, and tax situation.
In this episode, Rick and I break down the critical difference between a tax preparer who records the past and a tax planner who shapes your future. Learn how proactive planning can eliminate tax surprises, keep more money in your pocket over your lifetime, and align your tax strategy with what matters most to you.
Many people plan for retirement under the assumption that their tax bill will drop once they stop working — but what if that’s not true? In this episode, Rick Luchini and I break down why taxes could actually be higher in retirement, from shifting income sources to changing tax laws. You’ll learn how using "rules of thumb" instead of personalized tax planning can lead to surprise tax bills throughout retirement. We’ll also share st...
With everyone talking about a fed rate cut in September home buyers and mortgage holders are hoping they can see more favorable interest rates on 30 year mortgages soon. But will a lower fed funds rate actually lead to lower mortgage rates? Maybe not. In this episode Austin Preece and I tackle some common misconceptions around interest rates. We get into the 2 jobs the Fed has, why mortgages are more closely related to the 10 year...
Many retirees are shocked when a smart tax strategy—like a Roth conversion—requires them to write one of the biggest checks of their lives to the IRS. On this episode of Successfully Retired, Rick Luchini and I dig into why that upfront cost can actually save hundreds of thousands in lifetime taxes, protect your heirs from higher tax brackets, and give you more spending flexibility in retirement. They explore why “do nothing” is of...
Cryptocurrency, possibly best performing asset class over the past 15 years, has made a lot of smart people look dumb. But is it the new "gold," or just another fool's gold? Join Austin Preece of Preece Financial planning as we discuss why and how some more traditional investors are adding crypto to their portfolio, as well as why even serious retired investors likely need to take on more risk in retirement than they did in prior...
Many investors understand the advantages a Roth IRA or 401(k) can give you for tax planning in retirement, but it's easy to hear a strategy from your neighbor or an internet personality and make a misstep on applying it to your situation.
Today Rick and I talk about some of the most common Roth mistakes we run into, from conversions, to the pro-rata rule, to the differences between a Roth IRA and Roth 401(k).
Many couples are blessed to enjoy decades together in retirement enjoying life's golden years.
But what happens if one spouse concludes their retirement much sooner than the other?
Tune in as Rick Luchini and I talk about how this affects tax, investment and income plans, as well as how people can be prepared for the worst, which has the effect of helping us actually think about worst-case scenarios less and enjoy guilt-free th...
Recently I came across a retirement study that found that American's fear running out of money in retirement even more than death.
Looks like Public Speaking has been unseated as a #2 spot, at least for now.
In today's episode I talk about 3 steps that families in or near retirement should take now to ensure that they do not run out of money in retirement, and how I use these steps in my practice.
If you follow these steps ...
One of the big "aha" moments for many families planning for their retirement is when they see how much they specifically are able to spend and withdraw from investments in retirement.
A big shock to many is that when you study the spending habits of retirees, you see that retirement spending is seldom flat or linear.
Instead, retirees often want to (and do) front-load spending and consume more in their first 10 years of retirem...
Today's episode is a little more topical to the time.
I'm walking through a few parts of my down-market playbook, for 7 things I am doing at work when the market is down, and 3 things I am not doing.
My business is obsessed with pushing "risk tolerance questionnaires" in front of client's faces. I personally can't stand that. I don't think there's any way to actually prepare yourself for how you're going to feel when your invest...
When families get close to retiring they start going through all the checklists:
- Get investments in orer
- Do the will
- Etc., etc...
However, getting your financial house in order before evaluating your retirement's priorities and activities is like getting cart before the horse.
Today Rick Luchini and I chat about some of the top things we would do that are not related to our money if we wer...
Think you know your estate plan? Take a listen as Attorney Meredith Ditchen-Oakley of Woodstock GA and I discuss some of the big things that people are mistaken about when it comes to executing their estate plan.
Learn more about Meredith at www.ditchenlaw.com and be sure to check out my website at www.brandenburgFS.com
Have you heard of a reverse mortgage?
Maybe someone told you a horror story. Maybe your neighbor got one and loved it. Maybe you saw Tom Selleck on TV talking about them. Well if you'd like to learn the truth about what they are and how they work without being sold, be sure to give a listen to this interview with Jake Droge, a lender who works in the reverse mortgage space.
Today I talk about what I think is the most unappreciated retirement savings account: The taxable brokerage account.
While most people have heard the benefits of the Roth IRA or the 401(k), far too few retirees I've met saved as much as they'd benefit from in a taxable brokerage account.
Listen in as Rick and I discuss:
- What a taxable brokerage account is
- How they work
- How (when used right) they can help retirees take ad...
In today's episode Rick Luchini and I interview William Bengen - the financial planner who discovered the "4% Safe withdrawal rule" that answered the question "How much can I withdraw from my investments without running out of money?" based on historical research.
In our chat we talk about what the retirement landscape was like when Bill first pioneered his research, the biggest risks Bill sees retirees facing today, and how he's...
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