Navigating Retirement

Navigating Retirement

Since 2003, The Coastal Financial Planning Group has been helping seniors and soon-to-be retirees secure their financial future through sound financial planning and tactical wealth management strategies. As Wealth Allocation & Distribution specialists we help our clients create a financial decision making process that is designed to help them make stronger financial decisions

Episodes

March 29, 2021 13 min
DEBT, CREDIT, BUDGET & INCOME – Debt, credit, budgeting, spending, and income are all major factors in building our personal financial structure and have impacts and implications on our financial situation that often times are outside of our personal control. Listen as Rick Durkee discusses this and more on this week’s episode.
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TAXES (PLANNING VS FILING) – Your Social Security CAN BE taxable. Withdrawals from tax deferred accounts directly impact the likelihood that your Social Security will be taxes. Listen as Rick Durkee discusses this and more on this week’s episode.
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LUCK VS PLANNING – Statistics from the DHHS show that nearly 70% of Americans will require some extended medical assistance during their lifetimes. So, is NOT addressing this possibility leaving your (and your family’s) financial stability up to luck and chance? Listen as Rick Durkee discusses luck VS planning on this week’s episode.
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2021 EP0313 - NAVIGATING RETIREMENT - LUCK V PLANNING by Rick Durkee
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THE COUNTDOWN ISSUES – Adding up the cost, retirement can be very expensive. This is one of the top reasons there is so much worry, and why running out of money is the biggest concern for retirees. In this week’s episode, Rick Durkee will discuss different topics that should be addressed when counting down to retirement.
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THE COUNTDOWN ISSUES – While the sage wisdom that “You don’t want all your eggs in one basket” is certainly true, it also does not mean that you need a bunch of duplicate accounts spread out and scattered everywhere. This is just one topic that Rick Durkee covers on Navigating Retirement and 8 Moments To Move Your Money.
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WHAT PLANNING IS ABOUT – The act of planning itself IS progress. Without doubt, there will be obstacles that stand in our way. With a plan, we can address and overcome them. Listen as Rick Durkee discusses the important of planning and why the beginning of the year is a great time to start or review your old plan on Navigating Retirement.
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GETTING SAVINGS BACK ON TRACK – Don’t leave your money behind!! This is another big opportunity to take control, and there are lots of orphan and abandoned 401(k)’s. Listen as Rick Durkee discusses this topic and more on this week’s episode of Navigating Retirement.
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Taxes in retirement can be an unpleasant surprise. If not carefully planned for, they can cost a lot more than many expect. Rick Durkee and his team at Coastal Financial Planning Group help clients Navigate Retirement, including identifying opportunities to control and minimize taxes.
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YOUR PLAN – While most savers and investors understand they are taking “some” risk, it may be difficult to exactly quantify how much. A portfolio analysis can help you quantify and better understand the risks you are taking or are exposed to. Listen as Rick Durkee discusses why having an analysis done is an important part of the complete planning process to Navigate Retirement.
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CALCULATING YOUR RETIREMENT NUMBER – Income Allocation and having a retirement spending plan is about specifically designing to optimize and increase our cash flow rate, therefore lowering the amount we need to reach our retirement number and filling our Retirement Income Gap. Listen as Rick Durkee discusses why planning and Income Allocation are so important on this week’s episode of Navigating Retirement.
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PROTECTING YOUR SPOUSE – We don’t want to think about it, but in the back of our minds we probably understand the reality that we will probably not pass at the same time as our spouse. When the inevitable occurs, it is nice to have knowledge, or even specific instructions on what to do. Listen as Rick Durkee addresses this topic on this week’s episode of Navigating Retirement.
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(NOT) GOING BROKE IN RETIREMENT – No one WANTS to run out of money in retirement, but people still do. A lot of this problem can be boiled down to lack of solid planning to prevent it, or not knowing the issues that could attribute to it. Listen as Rick Durkee discusses this topic on this week’s episode.
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UNDERSTANDING YOUR INVESTMENT OPTIONS – There are many different options when it comes to investment, and each has potential benefits and disadvantages that should be considered carefully when deciding how to deploy your hard-earned dollars and the probability of the results you might expect. Listen as Rick Durkee discusses this topic and more on this week’s episode.
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IT’S (FINALLY) 2021! – What could continued volatility in 2021 look like? What does this mean to the average saver, investor, or retiree? Listen as Rick Durkee addresses these questions and more on this week’s episode.
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FINANCIAL RESOLUTIONS – One of the biggest holes in planning that become even more apparent this year during the pandemic was how underinsured most families are. This is a perfect time to review, update, or get life insurance. This is just one resolution that Rick Durkee discusses in this week’s episode.
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ROTH PART 4 – On this week’s episode Rick Durkee will be addressing the reasons for, benefits of, and strategies to accomplish building tax-free money in your Roth IRA.
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ROTH PART 3 – On this week’s episode Rick Durkee will be addressing the reasons for, benefits of, and strategies to accomplish building tax-free money in your Roth IRA.
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TAKING RISK – Whether we want to make the connection or not, when we take risks with our money, we are actually risking our lifestyle. How can we position assets to help us protect our lifestyle and financial security? In this week’s episode, Rick Durkee will be addressing risk and how to identify it.
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TAKING RISK PART 2 – Whether we want to make the connection or not, when we take risks with our money, we are actually risking our lifestyle. How can we position assets to help us protect our lifestyle and financial security? In this week’s episode, Rick Durkee will be addressing risk and how to identify it.
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