Wise Money Retirement
We help hard working people just like you create a financial plan, to have enough so their retirement chapter can be exciting and rewarding.
Episodes
One of the primary goals of retirement planning is to figure out how to use your retirement assets in the best way to generate the income you’ll need after you stop working. But to do this, it is important to have a pretty good idea as to the amount of income you’ll actually need. Estimating this is not a simple matter because there are so many things to consider. How much income will you need to pay your bills and essential living...
There is a very definite and unbreakable connection between risk and reward. Choose a financial instrument that helps provide greater potential returns, and you inevitably increase the degree that your money will be subject to investment loss. If instead you chose safety and protection over growth, expect the compromise of lower rates of return. Many retirees become frustrated as they search for the “perfect” investment that breaks...
4 Steps to a Better Retirement Plan
Do you have your retirement date set, or have you already retired? And how about your financial plan…. Do you have things squared away? Or are you still working on putting all the pieces together? Creating a financial plan for retirement can be a tough job. There are a lot of moving parts and a ton of uncertainty that you’ll have to consider. We want to help you with some easy tips that ...
Strategic Roth IRA Conversion
How would you like to switch your retirement savings to an account that grows tax-free? You can make tax-free withdrawals from the account. And you can leave a tax-free inheritance to your heirs. Right now, there are no restrictions on converting to this tax-free oasis. So, if you're considering a Roth IRA conversion you are going to want to think taxes.
Like most people, your taxable income...
Don't Out Live Your Money With These Helpful Tips
A common question people ask is, “Do I have enough to money to retire?” The subtext is, “Could I run out of money before I die?” It's only natural for a pre-retiree or someone who has just recently retired to wonder if they will make it through. I’ve never met anyone who told me that they wanted to become a burden to their children later in life. Or that they wanted t...
Social Security Millionaire
When it comes to maximizing Social Security retirement benefits, Americans do a horrible job. It’s been reported that only about 4% of retirees make the optimal Social Security claiming decision. That means most people planning to retire will end up losing roughly $2.1 trillion dollars. When people decide to stop working they will have to know how long their savings will last them during retire...
How to have a "Tax Wise" Retirement
Today, we are talking about taxes and how they can lead to some surprises after retirement. This can be especially scary for anyone nearing retirement. Being “tax-wise” is no longer a concern for only the wealthy. Most fear that increased tax rates are looming on the horizon. That's why it's important understand tax diversification. .
Lots of people believe their personal tax bracket w...
3 Essential Elements to a Successful Retirement Plan
If you are recently retired, it’s time to shift your thinking when it comes to how and why you invest your dollars. You may be looking for the essential elements to a successful retirement plan. You've moved from “paycheck” mode into “distribution” mode. But, you might not realize it right away. However, when you've gone from adding to your portfolio to taking from it re...
Could Your Financial Behaviors Wreck Your retirement?
In recent years, there has been a huge push in the field of “behavioral finance.” That is, what types of behaviors do people that can affect one’s portfolio. That’s what we are going to talk about on the today’s show. We're going to discuss if it's possible that your financial behaviors could affect your retirement.
To dive in deeper we’ve outlined 4 biases people ten...
6 Common Retirement Misconceptions
Planning for major life events can be very exciting, but it can also be very stressful. These types of events should require some deep thought and a thorough planning process. Some people enjoy the planning process and take the time to do so, while others do not spend as much time preparing. It is important to plan properly in order to be successful. Today, we want to discuss the importan...
What To Know About Inflation And Retirement
Today’s topic is one that has been in the headlines for quite some time now. It seems inflation is on everyone’s mind, and rightfully so. Since the pandemic hit and stimulus spending began stacking up, there have been discussions of how these bills could impact retirees and their retirement savings. But how do we cope? We know there is risk that comes with investing in the stock...
Retirement Success Secrets You'll Want To Know!
Today is a big show because… we’re telling secrets! Retirement success secrets! For real though, we are going over some keys to retirement planning that you may not know about. And our goal with the show today is simple. If you are retiring soon, we want you to be as confident as you can be in your position. We don’t want you to be constantly worrying that you might not have ...
5 Ways to Avoid Running Out of Money In Retirement
Here’s the thing: We’re all living longer than any generation before us, and those numbers are only rising. With medical advancements and technological achievements, our life expectancy has increased over the years where some can expect to spend potentially three to four decades in retirement. That’s about as long as you’ve spent working to get to retirement. But it begs t...
Retirement Strategies vs Retirement Tools
There is a theory that has been going around the financial industry lately. And the theory is the idea of asking yourself a question: “When it comes to your money and your investments, are you focusing your decision-making process on the retirement tools, or are you focusing on a retirement strategy?” They may seem like the same thing to you. But they actually aren’t. Think about a...
A Retirement Budget Your Can Create
Today’s show is all about living comfortably while retired. You know, when you leave the workforce and enter retirement, you are going from “paycheck” mode to “NO paycheck” mode. That can be a huge adjustment for most people. One of the most important things is making sure that you have the right monthly income budget. So, let's walk through exactly why it’s so important to have a mont...
Why Retirement Income Sources so Important?
Today, we are going to talk about possible income sources in retirement. We'll also discuss why a properly diversified income plan important. Now, we believe success in retirement is tied to your retirement income. Think, do you have a paycheck in retirement that you can rely on, like a pension? If the answer is no, then you need to develop a regular paycheck to receive i...You know, there is a key element of investing that NO ONE seems to be talking about, and how that element plays a BIG role in investing successfully. Roland and Lindsay discuss how identifying this element in your plan is crucial to helping invest successfully.
When trying to grow your overall wealth, investing is arguably one of the best ways to reach those goals. At Roland Financial we passionately believe that women should be investing, and this episode talks about why we believe that.
Sure, you’ve heard of dividend paying stocks and possibly that they can create passive income, but, how? Roland dives into this topic to help you understand how these can become another stream of income for you especially during retirement
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