Retire With Freedom: Featuring Tad Hill & Toni Hill of Freedom Financial Group

Moving the goalposts when retirement planning can be a dangerous game and leave you open to some negative financial impacts. This concept refers to the habit of setting financial goals and then shifting them once you get close to achieving them. Having set goals and plans and sticking to them is important as you approach retirement. 

For example, if you don't make a firm decision to set an alarm, you're likely to sleep in....

We’ve got a mailbag edition of the show for you today! One of our listeners, Diane, asks how to approach charitable gifting, as it’s something she’s never been involved with before. Tad, Toni, and Tyler share their experiences with various charities and share some insights on efficient tax strategies for charitable gifting.

Then, another listener asks if they should invest the money they make from selling their paid-off house and do...

This episode focuses on the constants and variables of retirement, providing insights on market volatility, income planning, and lifestyle analysis.

Toni shares a relatable analogy, comparing income planning to cutting a juicy steak on a slippery plate. Without a stable foundation, it's nearly impossible to enjoy the meal. Similarly, a stable and predictable income is important for maintaining your lifestyle in retire...

We’ve got a mailbag edition of the show for you today! From time to time, we like to answer listener questions here on the podcast. This time, Eric in Hoover asks whether he should start selling off some of his high-performing investments in his IRA to avoid potential losses in the next market downturn. Stay tuned as Tad and Tyler dive into Eric’s situation and share some important considerations when navigating this decision. 

Then...

Procrastination is a natural human tendency, especially when faced with tasks that feel overwhelming. That’s why many people find themselves procrastinating when it comes to creating a retirement plan. While some fear that they are in a worse financial situation than they actually are, others think they don't need a retirement plan until they are on the verge of retiring. 

The truth is, the earlier you start planning, the bette...

Have you ever heard of the Rule of 100? This rule suggests that you should subtract your age from 100 to determine the percentage of your portfolio that should be in stocks. What about the 75% Rule, which claims that you will only need 75% of your pre-retirement income to maintain your lifestyle in retirement? 

In this episode, Toni and Tyler are here to share why these common financial rules of thumb just don’t cut it when it comes...

In today's episode, we're talking about the significant wealth transfer happening as baby boomers prepare to pass on their accumulated wealth. With so many people leaving behind substantial legacies, it's important to understand how to manage and optimize the assets you're leaving behind. Listen in as Toni and Tyler talk about the impact different types of accounts can have on your loved ones after you're g...

Retirement is a huge milestone, often filled with both excitement and apprehension. It's a time filled with questions and logistical challenges. When can I retire? How much do I need to have saved? How much can I spend? There are tons of moving parts to this process, and without the help of a professional, the process can feel very overwhelming. 

Listen in as Toni and Tyler stress the importance of having a plan that accounts f...

Retirement is a milestone that many of us look forward to, but what if it comes knocking on your door earlier than expected? In today’s episode, Tad and Toni take a few minutes to discuss some of the tough questions and decisions that accompany an unexpected retirement. Having a trusted advisor by your side can help you navigate some of these decisions, but even if you've already made choices, it's not too late to seek ad...

The financial planning world is full of common rules of thumb and assumptions you’ve probably heard of. For example, have you ever been told that you'll be in a lower tax bracket in retirement? Or that life insurance becomes unnecessary as you enter your golden years?

We’re excited to welcome Tyler, Tad and Toni’s daughter, onto the show this week to talk about some of these common financial rules of thumb. She’s been working a...

Neither Freedom Financial Group nor AEWM are affiliated with Bryant Driggers or One Brother. One Sister. ONE Mission.

In today’s episode, Tad and Toni reconnect with an old friend, Byrant “Breyer” Driggers. Breyer has a story that many in their late fifties and early sixties can relate to, working hard to become debt-free and create a secure future for himself and his family. We’re excited to have him on the show this week...

Neither Freedom Financial Group nor AEWM are affiliated with Carolyn Potter or The WellHouse.

We love to feature local charities that we work here on the podcast. So, in today’s episode, we're honored to welcome a very special guest, Carolyn Potter- CEO of The WellHouse. She’s here to give us a look at the inspiring work of this incredible organization, dedicated to the recovery of female survivors of human trafficki...

In this episode, Tad and Toni share a few important questions you need to ask yourself as you prepare for retirement. They discuss common misconceptions about downsizing your home, the realities of retirement expenses, and the importance of having a solid income plan before you step into this new season of life.

For example, if you’re thinking about moving into a smaller home in retirement, have you ever considered the actual value ...

Are you getting a tailored retirement plan or just a sales pitch? In today’s episode, you’ll learn how to recognize whether a financial advisor is looking out for your best interests or merely trying to sell you products. Stay tuned as we share some client stories, give you some red flags to look out for, and caution that credentials alone don’t guarantee quality advice. 

Remember, retirement isn't just about selecting the righ...

When it comes to retirement planning, many people believe they've got it all figured out. "I'm averaging 7-8% on my investments," they say, for example, confident that this will carry them through their golden years. But is this confidence misplaced?

Stay tuned as we explore some of the flawed calculations that many retirees make regarding their financial future. We’ll debunk some common misconceptions about inve...

Creating a customized retirement plan for someone often means addressing unique challenges along the way. Whether you face a health problem, a job loss, or a roof leak, life has a way of throwing unexpected hurdles at us. In today’s episode of Retire With Freedom, Tad and Toni discuss some of the unique challenges they’ve helped clients with throughout the years.

Many people avoid seeking financial advice out of fear of what they mi...

A retirement plan isn’t something that you create once and put on a shelf to gather dust. You want to make sure it’s working to support your retirement dreams with growth and preservation. Join Tad and Toni as they explore the importance of crafting and adjusting your personalized financial plan.

From handling market ups and downs to dealing with unexpected life changes, they highlight the advantages of having a robust plan that not...

Crafting a written financial plan for retirement is critical, yet shockingly, only 43% of Americans have one. Just like a football coach wouldn't step onto the field without a game plan, your financial future shouldn’t be left to chance without a solid strategy in place. In today's episode, we're focusing on why having a well-crafted financial plan is so essential.

One of the biggest challenges retirees face is conver...

Many people consider or plan to work part-time in retirement. Maybe you’re thinking about pursuing a passion or leveraging a skill set for some additional income. While the idea of working part-time in retirement is appealing, it’s important to recognize that these plans don’t always unfold as expected. 

Unfortunately, the nature of post-retirement employment is unpredictable. Some industries may not support part-time roles, unexpec...