MoneyMattersUSA® with Fred Saide
Fred Saide discusses proper planning to and through retirement. His goal is to provide information on financial matters related to planning a successful retirement. Fred discusses everything from saving strategies pre-retirement to building income and realizing the proper growth and protection necessary in retirement.
Episodes
In Episode 221 of Money Matters USA, Fred Saide discusses the importance of planning for longevity in retirement, emphasizing the 90 Plus Rule, which highlights the likelihood of living into one's 90s. He explores financial strategies to ensure that assets last throughout a potentially extended retirement, including the significance of working longer, understanding retirement expenses, and the necessity of long-term care planning. ...
Fred covers changes coming in 2026 that need to be considered in retirement planning. Changes include the extension of the 2017 tax rates, Medicare Part B projected cost hike, a higher estate tax exemption, the mandatory Roth catch-up rule, and a new, higher SALT deduction cap.
Reach Fred at 800-593-8188.
See omnystudio.com/listener for privacy informa...
In episode 219 of Money Matters USA, Fred Saide discusses the importance of preparing for unexpected life events in retirement, the rising costs of healthcare, and the looming crisis of long-term care. He emphasizes the need for contingency funds and realistic planning for healthcare expenses, particularly as longevity increases. The conversation also covers the impact of tax changes on retirement savings, specifically the implicat...
In Episode 218 of Money Matters USA, Fred Saide continues his comparisons of the phases of retirement to the classic vinyl 45 record. Fred flips the record over which covers the second half of retirement and explains how planning changes some during this period. He talks about the need to prepare and plan for healthcare costs and adjusting your risk. He also covers the need for proper estate planning.
Reach Fred a...
In Episode 217 of Money Matters USA, Fred discusses the early years of retirement, likening it to the 'A side' of a vinyl record. He emphasizes the importance of budgeting and planning for expenses during this phase, as many retirees tend to overspend on travel, hobbies, and home renovations. The conversation also highlights the necessity of tax strategies in retirement planning, as taxes remain a significant factor. Finally,...
In Episode 216 of Money Matters USA, Fred Saide discusses the complexities of retirement planning, emphasizing the need for flexibility and contingency plans. He highlights the importance of having multiple financial strategies to adapt to life's unexpected challenges, such as market downturns and personal life events like caregiving. The conversation underscores the emotional and financial toll of caregiving and the necessit...
In Episode 215 of Money Matters USA, Fred Saide discusses the evolution of estate planning, emphasizing its shift from merely addressing estate taxes to focusing on financial strategy and legacy planning. He highlights common mistakes people make, such as procrastination and outdated beneficiary designations, and explains the importance of trusts and comprehensive planning. The conversation also covers the implications of taxes in ...
In Episode 214, Fred discusses the importance of guaranteed income in retirement, challenging the traditional mindset of focusing solely on asset growth. He emphasizes the need for a strategic approach to retirement planning that includes understanding withdrawal rates, income replacement ratios, and the impact of longevity on financial needs. The conversation also covers tax strategies, particularly the benefits of Roth conversion...
In Episode 213 of Money Matters USA, Fred Saide delves into the complexities of gray divorce, particularly focusing on the financial implications for older couples. He discusses the rising trend of gray divorce, the importance of financial planning, and the necessity of prenups and postnups. The conversation also covers the impact of remarriage on social security and Medicare benefits, emphasizing the need for thorough planni...
In Episode 212, Fred Saide discusses the financial challenges and strategies for Generation X as they approach retirement. He emphasizes the importance of understanding the transition from accumulation to decumulation, the need for effective retirement income strategies, and the significance of planning for longevity and healthcare costs. Saide also highlights the necessity of having a coherent financial plan and the role of variou...
In Episode 11 of Money Matters USA, Fred Saide discusses the evolution of retirement planning over the past 30 years, emphasizing the need for adaptability in strategies due to changing market conditions, inflation, and tax implications. He highlights the importance of having a written plan and being flexible with withdrawal rates to ensure financial security in retirement.
Reach Fred at 800-593-8188.
In Episode 210, Fred Saide discusses the evolving landscape of annuities, particularly in the context of rising interest rates. He explains the benefits of modern annuities, including guaranteed income and long-term care features, while also addressing the importance of evaluating older annuity products. The conversation emphasizes the need for a comprehensive income plan and the potential risks and fees associated with annuities, ...
In Episode 209, Fred Saide discusses innovative strategies for protecting retirement income against inflation, the importance of diversification, and the critical role of Social Security and healthcare costs in retirement planning. He emphasizes the need for personalized financial strategies and the impact of government policies on inflation and retirement savings.
Reach Fred at 800-593-8188.
In Episode 208, Fred Saide covers innovative strategies for protecting retirement income against inflation, the importance of diversification, and the critical role of Social Security and healthcare costs in retirement planning. He emphasizes the need for personalized financial strategies and the impact of government policies on inflation and retirement savings.
Reach Fred at 800-593-8188.
In Episode 207, Fred Saide discusses common missteps in retirement planning, focusing on the importance of avoiding conservative spending, ensuring tax diversification, and proactively planning for long-term care. He emphasizes the need for a tailored approach to retirement planning that considers individual goals and circumstances.
Reach Fred at 800-593-8188.
In episode 206, Fred Saide discusses innovative strategies for retirement planning, emphasizing the importance of transitioning from saving to spending, understanding inflation's impact on purchasing power, and the necessity of healthcare and estate planning. He highlights the psychological challenges retirees face and the need for a coherent financial plan that includes tax analysis and risk management.
Reach Fred at 800-593-8188.
...In Episode 205 of Money Matters USA, Fred Saide discusses the critical differences between saving and investing, emphasizing the importance of both in retirement planning. He explains when to prioritize saving over investing, the role of cryptocurrencies, and how to assess risk in investment strategies. The conversation also highlights the significance of having a comprehensive retirement plan and delves into the complexities surro...
In Episode 204, Fred Saide discusses the true meaning of financial independence, emphasizing that it is not solely about wealth but about the freedom to live life on one's own terms. He explores the importance of passive income, financial literacy, and the personalized approach to financial planning. The conversation also touches on common misconceptions about wealth and the role of emotions in financial decision-making.
Reach Fred...
Fred covers the important considerations of the first year of retirement with a discussion on Kiplinger’s “First Year of Retirement Rule.” He cautions against overspending in that retirement honeymoon phase, getting a good spending plan, and avoiding sequence of returns risk.
Reach Fred at 800-593-8188.
See omnystudio.com/listener for...
In this episode of Money Matters USA, Fred Saide discusses the significant impact of mindset on financial behaviors and the widespread financial stress affecting individuals today. He emphasizes the importance of a mindset shift to regain control over finances, particularly as one approaches retirement. The conversation explores the role of recency bias in financial decision-making, the necessity of budgeting, and the importance of...
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