Repair The Roof - Estate & Retirement Planning Podcast

👉Get started on your estate plan—watch our, on-demand workshop:  https://www.daytonestateplanninglaw.com/what-we-do-and-how-we-help-webinar/ 

Todd Nerlinger of Union Savings Bank breaks down today’s mortgage market—interest rates, loan options like blanket, bridge, and asset dissipation loans—and guides first-time buyers through the process.

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Takeaways

• The mortgage market is currently tight with lo...

👉Get Your Free Retirement Assessment: https://gudorffinancial.com/get-started 

Think you’re all set for retirement because you’ve rung up a hefty nest egg? Think again! Danny Gudorf points out that many folks with “enough” saved still drag their feet when it’s time to clock out—thanks to arbitrary rules of thumb and nagging doubts. 

He breaks down the three sneaky reasons we stall, then dishes out five practical moves to f...

Thinking about estate planning? Ted Gudorf lays out exactly why your choice of attorney can make or break your plan. In this must-hear conversation, he shares eight pointed questions you need to ask every estate planning lawyer—from how they charge to how much experience they have. He also explains why setting up a trust is essential and why ongoing legal support isn’t optional—it’s critical.

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Takeawa...

👉Get Your Free Retirement Assessment: https://gudorffinancial.com/get-started

In this conversation, Danny Gudorf discusses the viability of retiring with a million dollars, using a real client case study to illustrate effective strategies for optimizing retirement income. 

He emphasizes the importance of strategic management of investments, withdrawal rates, social security optimization, and tax efficiency to ensure a comf...

In this episode, Ted Gudorf highlights the importance of protecting family wealth through trusts, specifically focusing on separate share trusts and preservation trusts. He explains how these irrevocable trusts can shield assets from creditors, lawsuits, and other financial risks, ensuring that wealth is preserved for future generations. 

Ted provides real-world examples to illustrate the benefits of each trust type and of...

👉Get Your Free Retirement Assessment: https://gudorffinancial.com/get-started

In this conversation, Ted discusses the critical importance of integrated financial planning, highlighting the common pitfalls individuals face when their financial advice is not coordinated with their estate, tax, and investment plans. 

He introduces Gudorf Financial Group's unique approach, which combines various financial experts under on...

Get ready for an in-depth look with financial planner Danny Gudorf, who breaks down the distinctive challenges and tactics for retiring with a pension. 

He stresses the value of specialized pension knowledge, highlights the possibility of steeper tax brackets in retirement, shares insights on Roth conversions, and clarifies the widow’s penalty facing surviving spouses. 

Danny’s recommendations provide clear steps ...

Danny dives into market dips, offering smart strategies for both investors and retirees. He stresses the importance of staying calm, resisting impulsive buying, and committing to a disciplined, long-term plan to navigate volatility and pursue future growth. 

Takeaways

• Market declines are normal and happen frequently.
• Successful retirees understand volatility as a market feature.
• After a market drop, expected returns can significant...

Ted explains the vital role of both a living trust and a pour-over will in estate planning. Together, they protect assets, support loved ones, and ensure wishes are honored. He dispels myths about trusts replacing wills and warns of the risks of not having both.

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Takeaways

• You need both a will and a living trust.
• A living trust helps avoid probate.
• A pour-over will captures assets not in the trust.
• Gu...

Should you grab your Social Security benefits at 62 or hold out for more? Danny lays out five surprisingly strong arguments in favor of claiming early. But this isn’t about rules—it’s about your situation. He dives into how life expectancy, tax impacts, and personal priorities all factor into this critical decision. 

Takeaways

• Filing at 62 can be financially advantageous for some individuals.
• Life expectancy plays a crucial role i...

Estate planning expert Dale Krauss unpacks the complex world of Medicaid planning, offering clarity on key distinctions between Medicare and Medicaid. He dives deep into the strategic use of annuities, the power of early planning for long-term care, and the role of trusts in protecting assets. Drawing from his own experience developing the Medicaid-compliant annuity, Dale also sheds light on effective crisis planning for families n...

As markets stumble, Danny offers a clear-eyed look at how retirees and pre-retirees can protect their futures. From smart portfolio adjustments to emotional discipline, he lays out practical steps for staying the course—and even finding opportunity—when volatility hits.

Takeaways

• Market crashes trigger our fight or flight response.
• The recent market drop is tied to new tariffs.
• Fear is dominating investor sentiment right ...

Ever wondered if working just one more year could make a big difference in your retirement? Danny Gudorf digs into that exact question on the latest episode of Limitless Retirement. He walks through three big things to think about—money, lifestyle, and family—so you can make a smart, balanced call. 

Rather than letting worry steer the ship, Danny wants you to feel confident about your decision. Oh, and there’s a free retirement chec...

This conversation explores the concept of a trust protector in estate planning, detailing its importance, roles, and the benefits it provides. Ted discusses how a trust protector can add flexibility to irrevocable trusts, allowing for adjustments in response to changing laws and circumstances. 

He emphasizes the need for careful selection of a trust protector and outlines common mistakes to avoid when incorporating one int...

Ever thought about what happens if you become unable to make decisions for yourself? In this friendly chat, seasoned attorney Ted Gudorf explains why incapacity planning deserves your attention—right alongside planning for death. 

Ted clearly outlines essential documents, warns of common pitfalls like expensive court hassles and family squabbles, and shares how living trusts can help your family smoothly manage your assets...

This conversation delves into the critical importance of planning for digital assets in estate planning. Ted Gudorf discusses what constitutes digital assets, the challenges families face when these assets are not properly managed after death, and the steps individuals should take to ensure their digital legacy is protected. 

He emphasizes the need for a comprehensive digital inventory, appointing a trusted digital executo...

Danny Gudorf highlights the critical role of a structured retirement income plan, outlining the three-bucket strategy as an effective method for achieving financial stability in retirement. His discussion clearly defines each bucket’s role, detailing how they collectively mitigate market volatility risks, fulfill retirees’ income requirements, and deliver psychological reassurance.

He further underscores the necessity of ...

Financial advisor Danny explores essential elements of investing for retirement, stressing the need to adjust strategies as retirement draws nearer. He underscores the hazards of relying on obsolete investment approaches, the risks linked to excessive cash reserves, and the value of routinely assessing portfolio resilience.

 Danny presents the three bucket method as an effective tool to help retirees handle market fluctuations and i...

This conversation explores why beneficiary designations are a cornerstone of estate planning. It reveals how they can take precedence over wills and trusts, the risks of outdated designations, and why periodic reviews are essential.

Practical tips for choosing beneficiaries wisely and keeping plans aligned with life changes are discussed.

Takeaways

• Beneficiary designations can override your will or trust.
• They help avoid ...