My Smart Retirement

My Smart Retirement

Whether you are planning to retire someday, or find yourself already there, you know there’s lots of advice swirling around - some dangerous, some making outrageous claims. Where do you go? Who can you trust? How do you avoid the danger zone? Nancy Fleming with Fleming Financial Services features a weekly show that offers sound, practical solutions to these concerns and more. New episodes offered every Saturday.... Show More

Episodes

March 4, 2021 12 min

For many people, the dream of becoming wealthy seems out of reach. Maybe it’s because you don’t feel like you earn enough or maybe it’s because you come from a modest background.

Whatever the reason, it’s important to realize that wealthy people often have one common trait: they are great savers. Reaching a level of wealth that provides you with security and financial freedom doesn’t require an exorbitant paycheck. Instead, it reli...

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Do you avoid money, or do you worship it? The way you approach finances and retirement can be telling.

Money avoidance

If you prefer to avoid money conversations, decisions or planning, it’s best to recognize that you feel that way and try to work around it, through it or with it instead of trying to battle it.

The issues tend to reside in the back of our minds, and really, they’re not as spooky as they seem once we get to the plac...

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February 12, 2021 20 min

We like to do an annual talk about money and couples and how to have good communication. Money is one of the most common reasons that couples fight, and it is one of the top causes of divorce.

Here are some ways you can manage money with your mate. First, ask yourself these questions:

  • What are the three best purchases you have made as a couple? That will bring up some happy memories.
  • How does your partner feel about money? How you w...
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    In the U.S., income exploded last year. It was the best year for income in American history by far, but I’m not discounting Americans who lost their business. Also, debt affordability has never been better in modern history. Americans still hold a lot of debt, but a big question is can you afford the debt.

    Back in 1930, the U.S. Treasury secretary said liquidate labor, stocks, farmers, real estate, purge the rottenest out of the sy...

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    The past 12 months have tested many people financially and the volatility doesn’t appear to be going anywhere. These are the times that can cause people to hurt their financial future by acting on fear.

    What we’ve seen and heard from a lot of people recently is they have been worried about losing significant amounts of their personal wealth in the market so they moved to cash. The problem with is when you pull it all out and move t...

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    You’ve heard the old expression about putting your money to work for you, but what job are you going to give it? There are many different ways to invest and save your money but you have to know what results you’re trying to achieve.

    When you think about your finances, ask yourself what does money represent and what do you want to get out of your money? There are many things you may look to accomplish, but the three primary things y...

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    In order for us to determine the direction we want to go with retirement planning, we’ve learned that it’s important to first get an idea of what we want our retirement lifestyle to look like. Everyone pictures something different and knowing that helps us build a plan that you can have confidence in.

    On this episode of My Smart Retirement, Nancy Fleming will take you through six different retirement lifestyles that we commonly see...

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    We’ve been spending a lot of time on the podcast discussing financial literacy and where the majority of people are falling short as it relates to planning and investing.

     

    As we move forward this week, let’s start by talking about retirement concerns we continue to see. One of the biggest we’ve found is voluntary unemployment. The idea of giving up the career we’ve built and voluntarily give it all up to transition to a new chapte...

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    The biggest fear that anyone has for retirement is running out of money. No one wants to be forced to work if they’d prefer not to, and that’s where income planning comes in.

    You might be surprised to know that less than half of all people are financially literate when it comes to retirement. Most people aren’t clued in on all the different aspects of planning and it can cause a lack of confidence in your financial future. But it’s...

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    As we approach the end of the year, people start thinking more about taxes and want to find ways to lessen their tax burden.

    One area where you might already be lessening your tax burden and not fully realize it is through charitable donations. The holiday season brings that out even more so we want to make sure your contributions are being incorporated into your financial planning as we close out 2020.

    On this episode of My Smart ...

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    November 25, 2020 20 min

    Regardless of what you know about annuities, you’ve probably heard an opinion about them. This investment tool, like any other, can be good or bad for your personal retirement plan, but is it?

    Well, we’ve gotten a lot of questions about annuities recently because of all the market volatility. People are looking for ways to create reliable income and the annuity will always be a product that comes up in the conversation. So we want ...

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    If we’ve learned anything over the course of 2020, it’s that health needs to be a priority for all of us. The focus goes beyond the pandemic, which is obviously at the forefront right now.

    But mental health issues have risen through the year and the usual causes of death are still as prevalent as they always are. It’s great to see that more and more people are paying attention to their health because it plays a huge part in your fi...

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    “Am I ready to retire?”

    If it’s not the most common question asked during retirement planning, then it’s definitely near the top. Everyone wants to what kind of shape they’re in financially and if they are in a position to transition to that next chapter.

    Everyone’s answer is going to be different and it depends on a variety of factors, but there are some questions you can ask yourself to get a better sense of where you stand. That...

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    As if 2020 hasn’t been volatile enough, now we’re left sorting through election results days after voting has ended.

    Although it appears Joe Biden is set to become the 46th President of the United States, plenty of questions remain about policy and the financial impact it could have on investors. So as we wait for the dust to settle, let’s try to answer the questions, what now?

    Nancy is flying solo on today’s episode of My Smart Re...

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    On today's show, Sean and Nancy give their take on where the major financial markets currently stand. They address some common concerns they have heard from their clients and give advice on how to navigate those challenges.

    Contact:

    Website: https://bit.ly/31DO9OW

    Phone Number: 480-632-8770

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    October 14, 2020 21 min
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    September 19, 2020 18 min
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