Healthy, Wealthy, & Wise Retirement Podcast

Healthy, Wealthy, & Wise Retirement Podcast

HEALTHY, WEALTHY, & WISE Retirement Podcast is where CERTIFIED FINANCIAL PLANNER™ Loren Sherman shares thoughts on having a healthy mind, body and spirit; an abundance of wealth, inside portfolios and out; and lessons learned from clients and mentors over the years.

Episodes

November 30, 2021 14 min

Today we ask a series of questions to help you identify some of the "money scripts" you may have grown up with- the stories that make you think about money the way you do.

Next, we ask 3 very important questions that may change the way you view money in your retirement, and it's purpose altogether.

And last, we close up with some thoughts about your "war chest." Do you have your own war chest of money set aside ...

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What is tax harvesting and why are so many retirees and financial planners alike failing to implement this into their planning? More importantly, how could a good tax harvesting strategy impact your retirement? 

Listen in, as we tackle these questions and much more!

Previous tax-related episode mentioned in today's talk: Taxes in Retirement Workshop

What is a Fiduciary?

About Me

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If you didn't already notice, once you are of Medicare age you will start to recognize Medicare marketing everywhere! It can be confusing to most, and just when you think you have it figured out, Medicare can change the rules or insurance companies can change their plans.

One of the questions we hear most often is some form of, "What's the deal with Medicare Advantage plans?" We dive into this question today, but be...

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October 19, 2021 14 min

Every year, retirees on Medicare are over-flooded with mailers, TV commercials, and sometimes even phone calls regarding the new prescription drug plans for the coming year.

It can be a headache to stay on top of this year after year, but we will discuss how to find the best plan (print off our Cheat-Sheet as a resource) and how strangely enough, something as simple as getting your Medicare drug plan right each year could even lead...

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October 5, 2021 18 min

Today we talk about flooring, buckets, and guardrails and why the 4% withdrawal rule may be dead. If all this sounds like I'm speaking a foreign language, don't worry as I'll do my best to simplify things over the next 15 or so minutes.

Your retirement income strategy is one of the most important retirement decisions you'll make, as life is much easier when you find the strategy that fits your personality. With that...

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Hot off the press! More tax changes appear to be coming quickly. Today, we take a quick look at which of these proposed changes could have the biggest impact to your investing and retirement planning.

About Me

For questions, comments, or to receive your own RETIREMENT READINESS ANALYSIS, you can start with a 2 minute quiz here: Share More & Get in Touch 

You can also find Loren at shermanl@integrityguidance.com 

 

For more...

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September 21, 2021 16 min

Hiring the right financial advisor can be intimidating. It's tough to know what questions to ask if you're interviewing a new advisor, and it can be equally tough to put your current advisor through the ringer if you've been with them for some time. 

But your retirement is just too important to be left to chance, so I've created this episode for those who want to take back control by asking the right questions. Have...

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September 7, 2021 30 min

Today, I'm sharing a bit longer episode with you, as this is typically a presentation I go over with retirees at an in-person seminar. At the end of our in-person events, we have Q & A time set aside, where you can share your thoughts and ask questions. I encourage you to still do so via my email linked below.

This talk is broken up into three separate parts. First, we briefly look at our current tax outlook from a wide len...

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We start by asking 6 questions that will help you determine if long-term care should be part of your retirement plan.

We then review 6 different options, so you can get a feel for the strategy that fits you best.

What is a Fiduciary?

About Me

For questions, comments, or to receive your own RETIREMENT READINESS ANALYSIS, you can start with a 2 minute quiz here: Share More & Get in Touch 

You can also find Loren at shermanl@...

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August 10, 2021 7 min

Today, we take a quick look at Ken Behring's career and what it can teach us all about living a longer, healthier life. Don't forget to check out the videos and resources below.

Shawn Achor's TED Talk- Happiness Advantage

Robert Waldinger's TED Talk on Harvard Study

Harvard Study on Happiness

What is a Fiduciary?

About Me

For questions, comments, or to receive your own RETIREMENT READINESS ANALYSIS, you can start w...

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Today, we talk through a retired couple's situation, highlighting four mistakes they made with their estate planning, and how you can avoid these mistakes yourself. Be sure to stick around to the end and check out our "Beneficiary Visual" in the resources, as we cover a mistake that over half of retirees are making right now!

What is a Fiduciary?

About Me

For questions, comments, or to receive your own RETIREMENT READI...

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Today, we review 10 distinctions between millionaires and the middle class. More importantly, we discuss what can be learned from each and how you can apply them in your own retirement.

Recognition Quiz

Book- 10 Distinctions Between Millionaires and the Middle Class

Book- Happy Money: The Science of Smarter Spending

What is a Fiduciary?

About Me

For questions, comments, or to receive your own RETIREMENT READINESS ANALYSIS, you c...

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June 29, 2021 10 min

Tax planning plays a critical role in the success or failure of every retiree's plan. With that said, retirees more often than not look in the wrong places for this advice.

Listen in, as we discuss how your CPA and even your financial advisor are likely giving you what we call "rearview mirror tax advice."

Tax Illustration 

9 Retirement Questions

What is a Fiduciary?

About Me

For questions, comments, or to receive your...

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Today, we zip through 7 questions you will need to think through before turning 65 and heading onto Medicare.

Choosing the right agent to work with is important, and if you don't think about this beforehand, you'll likely be caught off-guard with dozens of agents solicitating for your business and trying to earn your trust.

Now, you'll be armed with the right questions to ask your agent, helping you take control and mak...

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June 1, 2021 6 min

Today, we have a shorter show for you that is designed to help those who are wondering if they even need a financial advisor.

Rather than diving into data and studies on the topic, we're keeping this one light, with a quick story to kick us off.

After listening, feel free to take about 2 minutes to complete a no-obligation survey. This helps you determine if we're a good fit to assist with anything.

2 Minute Survey  

What i...

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May 18, 2021 10 min

Today we have a "What I Learned" episode, where instead of directly discussing finances or retirement, we talk through 6 strategies to improve anything in life. Think through your own retirement goals, and have a listen! 

How to Achieve Your Most Ambitious Goals (TED Talk)

WMCP® Designation

What is a Fiduciary?

About Me

For questions, comments, or to receive your own RETIREMENT READINESS ANALYSIS, you can start with a 2 min...

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Do annuities have a place in retirement planning? Today, we break down a couple of examples from past clients to help show where annuities can work out well, and where they can be disastrous.

What is a Fiduciary?

About Me

For questions, comments, or to receive your own RETIREMENT READINESS ANALYSIS, you can start with a 2 minute quiz here: Share More & Get in Touch 

You can also find Loren at shermanl@integrityguidance.com 

...

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April 20, 2021 10 min

Last time we reviewed much of what is wrong with the financial industry, so today we're going to focus on the positive solutions. We highlight three different ways that the advisor-client relationship is typically structured.

Hopefully this will help you determine which, if any, is right for you.

What is a Fiduciary?

About Me

For questions, comments, or to receive your own RETIREMENT READINESS ANALYSIS, you can start with a 2 ...

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April 6, 2021 8 min

Today we take a hard look into the financial planning industry and review if and how the role of an advisor has evolved.

What is a Fiduciary?

About Me

For questions, comments, or to receive your own RETIREMENT READINESS ANALYSIS, you can start with a 2 minute quiz here: Share More & Get in Touch 

You can also find Loren at shermanl@integrityguidance.com 

 

For more resources discussed on the show, visit: https://healthywea...

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