October 30, 2025 • 27 mins
#SafeMoney #JonHeischmanSr #FinancialHomeMakeover
Just like your physical home, your financial home may be in need of makeover. Host Jon Heischman, Senior talks about this in this week's episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
Just like your physical home, your financial home may be in need of makeover. Host Jon Heischman, Senior talks about this in this week's episode.
Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
People really don't know what their expenses will because they
don't know how long that they're going to live.
Speaker 2 (00:06):
The Americans are worried they won't have enough safe for retirement.
Speaker 1 (00:09):
Now more than.
Speaker 2 (00:09):
Ever, retirement's going to cost for many folks over a
million dollars.
Speaker 3 (00:14):
He is no short thing in investing, but a lot
of people think that annuities may come close to that.
Speaker 2 (00:19):
It's going to more safe, safe, safe, safe things that
they know.
Speaker 1 (00:22):
If they know they're going to need that money to
supplement the retirement, well then you can't play that rest.
Speaker 3 (00:27):
This is the Safe Money and Retirement Show. But John
Heischman senior founder and partner of Heisman Financial Services serving
the Columbus and surrounding areas. John specializes in educating pre
retirees and retirees about safe money strategies and ideas. Now
it's the Safe Money and Retirement Show. Here's John Heischman, Senior.
Speaker 2 (00:48):
Welcome. This is John Heischman bringing you the Safe Money
and Retirement Show. Our firm is Heischmann Financial Services and
you can find out more by visiting our website Heishman
fs dot com. That's spelled h EI s ch m
(01:14):
A N. Then the initials fs dot com. I always
like to hear from my listeners about their concerns, their questions,
and what's on their mind as far as planning their retirement.
I want to talk about a financial home makeover. We're
(01:40):
going to renovate and reinforce your financial life because building
your financial and retirement plan is very similar to constructing
a home. You've got your foundation, where we shore up
(02:02):
your financial foundation by organizing and securing important documents. Then
I want to review with you inspection review your retirement
timeline to spot key milestones, avoid surprises, and make sure
(02:24):
your financial plan is ready for what's next. Let's talk
about protection. We're going to prepare life's what if with
those tools to help you weather any financial store legacy.
Finalize your plan by clarifying your wishes and creating a
(02:48):
meaningful legacy for your loved ones. And final review. Schedule
your final walkthrough with myself to find in the plan,
add income and protection strategies, and to help ensure your
financial home is built to last. It's common sense that
(03:13):
you wouldn't start building a house without first laying a
solid foundation, and the same goes for your financial life.
Before you can drow up the plans for your financial future.
You need a clear picture of what you have, where
it's kept, and how your loved ones can access what
(03:37):
they need when the time occurs. And once everything is
in its place, you're going to be amazed at how
much more confidence and in control you feel. And keep
in mind that organizing your financial life isn't just about paperwork,
(04:00):
It's about feeling in control. Getting your documents in order,
you can make everyday financial decisions easier, reduce stress for
your loved ones in the future, and be better prepared
for unexpected changes. So we want to create a financial blueprint.
(04:23):
Use the Family Document Locator to track where everything is,
declutter your files, what to keep, what to shred, Store
key documents securely, and let someone you trust know where
everything is and update documents annually. Very important. Where do
(04:51):
you begin? Instead of overwhelming yourself with a massive checklist,
focus on the three categories I'm going to give you. First,
personal and legal documents, Second, financial and retirement accounts, Third,
(05:14):
access and security details. I recommend storing important documents in
a fireproof and waterproof filing cabinet or safe but we
want to make sure that a trusted person knows how
to access that cabinet or safe. Also create secure digital
(05:41):
copies for your files and protecting them with strong passwords.
What about a family document Locator? Now, this is a
must have resource which helps you take the guest work
out of findinancial organization. This document. It's going to let
(06:04):
you list where original copies are stored, contacts for attorneys,
your financial advisor and loved ones, and track document updates
over time. Keep a copy of your completed Family Document
Locator with your estate plan and again share that with
(06:30):
a trusted person. What to keep and what to shred?
Every home makeover involves clearing out what no longer serves
a purpose and your financial house it's no different. Too
many documents can overwhelm you and your loved ones. Knowing
(06:54):
what to keep what to shred can simplify the organization, says,
So here's a quick guide that can get you started.
A state planning documents. These are wills, trust power of attorneys,
beneficiary forms, tax returns kept for the last seven years,
(07:20):
your mortgage, property deeds and vehicle titles, and active insurance
and annuity contracts. What to shred bank and credit card
statements older than three to five years, expired insurance policies
(07:41):
or annuity contracts, duplicate or outdated investment summaries, and what
about receipts for everyday purchases. You're not going to be
claiming on your taxes, paper copies of anything you already
store security online. So by keeping only essential, up to
(08:08):
date records, you're setting a strong foundation for your financial home.
And this is going to offer you the opportunity to
be more organized, better protected, and ready to handle life's
unexpected urns. I know I'm covering a lot of material here,
(08:33):
so to simplify what I'm discussing, I'd like for you
to get your own copy of The Financial Home Makeover.
It's a book about thirty eight pages that will give
you the information that I'm discussing. Now. This is free
(08:58):
to my listener, and there's definitely no obligation. So I
want you to call the number eight eight eight four
to two six zero one seven seven and I'll give
that to you again. Triple eight four to two six
zero one seventy seven. Request your copy of the Financial
(09:25):
Home Makeover. That message will be sent to me and
I'll make sure that book gets sent to you within
twenty four hours of receipt from your call, So once
again triple eight four two six zero one seventy seven.
(09:49):
I'm also going to recommend inspect your key retirement milestones,
because before you can up great a home, you need
a full inspection, uncover what's beneath the surface, outlining what
needs improvements, also ensuring that the framework is ready for
(10:15):
what's next. Your financial life deserves that same thoughtful assessment,
which as a retirement planner, I'm going to give you
exactly that. This part is about examining your retirement timeline
(10:37):
because we want to identify definancial milestones such as when
you become eligible to claim Social Security, when required minimum
distributions begin for your retirement accounts. By understanding these crucial points,
(11:00):
you can plan smarter, avoid costly surprises, and build a
structurally sound future. And when I refer to future, I'm
referring to the rest of your life in retirement. Surprises
can be unexpected risks that occur during retirement as well
(11:26):
as retirement income. Those of you that are regular listeners
have heard me say many times the importance of having
guaranteed income streams that is going to provide you with
income that you can't outlive. I think that's crucial in
(11:51):
retirement planning. I can discuss that with you and or
show you exactly how that works. Aday eight four two
six zero one seven seven. After the break, I'm going
to continue with my financial home makeover, starting off with
(12:17):
social security, So please stay tuned. I'll be right back.
Speaker 4 (12:24):
Thanks for listening to The Safe Money and Retirement Show
with John Heischman. For more information, call one eight eight
eight or two six zero one seventy seven. That's one
eight eight eight or two six zero one seven seven,
or visit their website at heischmanfs dot com. More of
the Safe Money and Retirement Show in a moment. Thanks
(12:51):
for listening to The Safe Money and Retirement Show with
John Heischman. At Heischman Financial Services, no one is excluded
from receiving the hell they need. Here's John Heischman.
Speaker 1 (13:03):
We don't care if you have fifty thousand save for
retirement or five million. We have no cutoff. As a
matter of fact, personally, I feel those that have let's
say under two hundred and fifty thousand, or even under
one hundred and fifty thousand, in many ways need more
(13:25):
planning advice than somebody that has considerable assets available to
them at retirement. So whatever the case may be, we're
willing to work with you and give your accounts the
exact same attention as if you had five million.
Speaker 4 (13:47):
Call John Heischman at Heisman Financial Services one eight eight
eight or two six zero one seven seven. That's one
triple eight four two six zero one seven seven, or
visit their website at Heischman f dot com. Welcome back
(14:07):
to the Safe Money and Retirement Show with John Heischman.
To contact John, the number to call is one eight
eight eight or two six zero one seven seven. That's
one eight eight eight or two six zero one seven seven.
Once again, here's John Heisman.
Speaker 2 (14:23):
Welcome back to the Safe Money and Retirement Show. I'm
your host, John Heischmann, which I appreciate you taking the
time to tune in to my show. The first part
of the show, I was discussing a financial home makeover,
(14:44):
covering what I do to help my clients with their
finances and retirement plan. So I'm now at social security.
One of the most important financial my stones that you're
going to encounter is social security, and much like a
(15:08):
structure support beam in your home, social security plays a
pivotal role in many retirement income plans, and the decisions
you make around when and how to claim benefits can
have a long lasting effect on your overall financial stability.
(15:32):
Some of the questions that I get when planning social
Security benefits for a client is how do I qualify
for Social Security? When should I start taking the benefits?
Or I am a stay at home parent, am I
(15:56):
eligible for benefits? Will social Security run out before I retire?
And how is social Security taxed? Many of you might
already know the answer to those questions, but there's a
(16:18):
lot more involved in addressing those questions. Social Security income
has to be correlated with other sources of income to
make sure you get the maximum amount do you. Next,
(16:39):
you need to understand required minimum distributions are mds. This
is a must know retirement milestone as to structuring these
rmds that you can think of it as a a
(17:00):
non negotiable inspection deadline, one you can't afford to miss.
Rmds apply to traditional iras, not roth iras, and if
it's your first RMD you can delay it until April
(17:24):
first of the following year. But we have to keep
in mind that you need to take two withdrawals in
the following year, and many times that's going to increase
your taxable income. And I know the rmds are going
to be taxed in a traditional IRA. However, it will
(17:49):
give you a steady stream of income in retirement or
support charitable donations. If you're seventy and n half or
older plus, it's going to keep your taxes lower by
spreading out income over time. So we have to include
(18:13):
r mds in your retirement income plan in order to
keep you on track, avoid surprises, and make your money
work smarter for you. And one thing that you need
to keep in mind that annuity payout options that satisfy
(18:34):
RMD rules very well could help automate withdrawals and replace
the risk of missed deadlines. WROTH renovation a smarter update
for your retirement timeline. Because this strategy will reduce the
(18:56):
impact of taxes in retirement, it will also create more
flexibility around how and when you withdraw income. Potentially it's
going to leave a more tax efficient legacy to your
beneficiaries if and when they may inherit these WROTH iras.
(19:20):
Over the last couple of years, there has been a
lot of talk and information about converting traditional iras or
a portion of traditional iras over to a wroth ira. Personally,
I really like that concept, but it's not for everyone.
(19:45):
But I do think everyone needs to look at how
a conversion could apply to their situation or if it's
something they can do. I've done a lot of wrath
convert especially over the last eighteen months or so. A
(20:05):
lot of those times I have done the conversions for clients,
but there have been situations where a conversion just didn't
work for a client. Could be for various reasons. The
taxes and other option to pay the taxes just wasn't there.
(20:29):
So let's take a look in review if a conversion
from a traditional ira to a roth ira may work
for you. Eight eight eight four two six zero one
seven seven. That's the number to call. You can leave
(20:50):
a message I'm interested in a roth conversion and I
will follow up probably priple eight for two zero one
seventy seven. And we all know part of a home
makeover or renovation is to secure your financial windows and doors.
(21:16):
Even the most beautiful home needs protection from unexpected storms,
power outages, or sudden repairs, so your financial home is
no different. Preparing for life's curveballs helps ensure that your
structure stays strong even when tested. So this step I
(21:41):
refer to as reinforcing those doors and windows with a
clear plan for emergencies such as medical issue, job loss,
or the unexpected passing of a loved one, use ueeing
the right tools and information that your fingertips can be
(22:06):
ready to weather any financial storm. So securing those financial
doors and windows isn't just about defense, It's about confidence.
I can't stress the importance of how confidence plays in
(22:27):
a financial and retirement plan. When you have confidence that
your plan design is done correctly, you have confidence you've
eliminated stress and worry, and you sleep very well at night.
Another important aspect of confidence is to know who's on
(22:52):
your financial team. I think it's good to routinely update
your emergency contacts, confirm access to key financial accounts, and
check that your emergency fund still fits your current needs.
So we might call that some maintenance today can prevent
(23:15):
major repairs tomorrow. So why does it matter. You've done
the work to renovate and protect your financial home. Now
it's time to make sure you're working with an advisor
that's going to make sure you're covered for all of
(23:35):
these situations that can occur. An expert designed financial plan
doesn't happen by accident. It takes expertise, understanding, and thoughtful guidance.
That's where your advisor should come in as your partner,
(23:58):
who is someone that stands your goals, your priorities, and
can help you build a stronger, more stable financial house.
Ninety five percent of clients report a secure and positive
relationship with their advisor. About eighty eight percent of clients
(24:24):
who work with an advisor are more likely to feel
less stress about outliving their savings thanks to the many
strategies available, such as guaranteed lifetime income. So you might say,
at this point, we schedule a final walkthrough, so the
(24:49):
work is done, the foundation has been built, key upgrades
have been made, and protection measures in place. Schedule a
time to meet with me, explore all the options to
help design a future income plan. Consider the decumulation phase
(25:11):
of retirement, and implement your plan so you can enjoy
a stress free retirement. That's what I do, that's how
I help clients, and I welcome the opportunity to discuss
your plan to see if you're on track. Also, don't
(25:33):
forget to request a copy of the Financial Home Makeover,
Renovate and reinforce your financial life. It's free. There is
no obligation complements of Heishman Financial Services eight eight eight
(25:55):
four two six zero one seventy seven Triple eight four
two six zero one seventy seven. Thank you for tuning
in to the Safe Money and Retirement Show. I'm John
Heischman and it's my pleasure bringing you the show. Enjoy
(26:18):
the rest of your weekend.
Speaker 3 (26:21):
The Safe Money and Retirement Joe John Heisman Senior. To
get in touch with John, call one AA eight four
two six zero one seven seven. That's one triple eight
four two six zero one seven seven. For more information
about Heischman Financial Services, visit their website Heisman FS dot com.
(26:42):
That's h E I S C h M A n
F S dot com. Join us again next time for
the Safe Money and Retirement Joe with John Heisman Senior
People really don't know what their expenses will because they
don't know how long that they're going to live.
Speaker 2 (00:06):
The Americans are worried they won't have enough safe for retirement.
Speaker 1 (00:09):
Now more than.
Speaker 2 (00:09):
Ever, retirement's going to cost for many folks over a
million dollars.
Speaker 3 (00:14):
He is no short thing in investing, but a lot
of people think that annuities may come close to that.
Speaker 2 (00:19):
It's going to more safe, safe, safe, safe things that
they know.
Speaker 1 (00:22):
If they know they're going to need that money to
supplement the retirement, well then you can't play that rest.
Speaker 3 (00:27):
This is the Safe Money and Retirement Show. But John
Heischman senior founder and partner of Heisman Financial Services serving
the Columbus and surrounding areas. John specializes in educating pre
retirees and retirees about safe money strategies and ideas. Now
it's the Safe Money and Retirement Show. Here's John Heischman, Senior.
Speaker 2 (00:48):
Welcome. This is John Heischman bringing you the Safe Money
and Retirement Show. Our firm is Heischmann Financial Services and
you can find out more by visiting our website Heishman
fs dot com. That's spelled h EI s ch m
(01:14):
A N. Then the initials fs dot com. I always
like to hear from my listeners about their concerns, their questions,
and what's on their mind as far as planning their retirement.
I want to talk about a financial home makeover. We're
(01:40):
going to renovate and reinforce your financial life because building
your financial and retirement plan is very similar to constructing
a home. You've got your foundation, where we shore up
(02:02):
your financial foundation by organizing and securing important documents. Then
I want to review with you inspection review your retirement
timeline to spot key milestones, avoid surprises, and make sure
(02:24):
your financial plan is ready for what's next. Let's talk
about protection. We're going to prepare life's what if with
those tools to help you weather any financial store legacy.
Finalize your plan by clarifying your wishes and creating a
(02:48):
meaningful legacy for your loved ones. And final review. Schedule
your final walkthrough with myself to find in the plan,
add income and protection strategies, and to help ensure your
financial home is built to last. It's common sense that
(03:13):
you wouldn't start building a house without first laying a
solid foundation, and the same goes for your financial life.
Before you can drow up the plans for your financial future.
You need a clear picture of what you have, where
it's kept, and how your loved ones can access what
(03:37):
they need when the time occurs. And once everything is
in its place, you're going to be amazed at how
much more confidence and in control you feel. And keep
in mind that organizing your financial life isn't just about paperwork,
(04:00):
It's about feeling in control. Getting your documents in order,
you can make everyday financial decisions easier, reduce stress for
your loved ones in the future, and be better prepared
for unexpected changes. So we want to create a financial blueprint.
(04:23):
Use the Family Document Locator to track where everything is,
declutter your files, what to keep, what to shred, Store
key documents securely, and let someone you trust know where
everything is and update documents annually. Very important. Where do
(04:51):
you begin? Instead of overwhelming yourself with a massive checklist,
focus on the three categories I'm going to give you. First,
personal and legal documents, Second, financial and retirement accounts, Third,
(05:14):
access and security details. I recommend storing important documents in
a fireproof and waterproof filing cabinet or safe but we
want to make sure that a trusted person knows how
to access that cabinet or safe. Also create secure digital
(05:41):
copies for your files and protecting them with strong passwords.
What about a family document Locator? Now, this is a
must have resource which helps you take the guest work
out of findinancial organization. This document. It's going to let
(06:04):
you list where original copies are stored, contacts for attorneys,
your financial advisor and loved ones, and track document updates
over time. Keep a copy of your completed Family Document
Locator with your estate plan and again share that with
(06:30):
a trusted person. What to keep and what to shred?
Every home makeover involves clearing out what no longer serves
a purpose and your financial house it's no different. Too
many documents can overwhelm you and your loved ones. Knowing
(06:54):
what to keep what to shred can simplify the organization, says,
So here's a quick guide that can get you started.
A state planning documents. These are wills, trust power of attorneys,
beneficiary forms, tax returns kept for the last seven years,
(07:20):
your mortgage, property deeds and vehicle titles, and active insurance
and annuity contracts. What to shred bank and credit card
statements older than three to five years, expired insurance policies
(07:41):
or annuity contracts, duplicate or outdated investment summaries, and what
about receipts for everyday purchases. You're not going to be
claiming on your taxes, paper copies of anything you already
store security online. So by keeping only essential, up to
(08:08):
date records, you're setting a strong foundation for your financial home.
And this is going to offer you the opportunity to
be more organized, better protected, and ready to handle life's
unexpected urns. I know I'm covering a lot of material here,
(08:33):
so to simplify what I'm discussing, I'd like for you
to get your own copy of The Financial Home Makeover.
It's a book about thirty eight pages that will give
you the information that I'm discussing. Now. This is free
(08:58):
to my listener, and there's definitely no obligation. So I
want you to call the number eight eight eight four
to two six zero one seven seven and I'll give
that to you again. Triple eight four to two six
zero one seventy seven. Request your copy of the Financial
(09:25):
Home Makeover. That message will be sent to me and
I'll make sure that book gets sent to you within
twenty four hours of receipt from your call, So once
again triple eight four two six zero one seventy seven.
(09:49):
I'm also going to recommend inspect your key retirement milestones,
because before you can up great a home, you need
a full inspection, uncover what's beneath the surface, outlining what
needs improvements, also ensuring that the framework is ready for
(10:15):
what's next. Your financial life deserves that same thoughtful assessment,
which as a retirement planner, I'm going to give you
exactly that. This part is about examining your retirement timeline
(10:37):
because we want to identify definancial milestones such as when
you become eligible to claim Social Security, when required minimum
distributions begin for your retirement accounts. By understanding these crucial points,
(11:00):
you can plan smarter, avoid costly surprises, and build a
structurally sound future. And when I refer to future, I'm
referring to the rest of your life in retirement. Surprises
can be unexpected risks that occur during retirement as well
(11:26):
as retirement income. Those of you that are regular listeners
have heard me say many times the importance of having
guaranteed income streams that is going to provide you with
income that you can't outlive. I think that's crucial in
(11:51):
retirement planning. I can discuss that with you and or
show you exactly how that works. Aday eight four two
six zero one seven seven. After the break, I'm going
to continue with my financial home makeover, starting off with
(12:17):
social security, So please stay tuned. I'll be right back.
Speaker 4 (12:24):
Thanks for listening to The Safe Money and Retirement Show
with John Heischman. For more information, call one eight eight
eight or two six zero one seventy seven. That's one
eight eight eight or two six zero one seven seven,
or visit their website at heischmanfs dot com. More of
the Safe Money and Retirement Show in a moment. Thanks
(12:51):
for listening to The Safe Money and Retirement Show with
John Heischman. At Heischman Financial Services, no one is excluded
from receiving the hell they need. Here's John Heischman.
Speaker 1 (13:03):
We don't care if you have fifty thousand save for
retirement or five million. We have no cutoff. As a
matter of fact, personally, I feel those that have let's
say under two hundred and fifty thousand, or even under
one hundred and fifty thousand, in many ways need more
(13:25):
planning advice than somebody that has considerable assets available to
them at retirement. So whatever the case may be, we're
willing to work with you and give your accounts the
exact same attention as if you had five million.
Speaker 4 (13:47):
Call John Heischman at Heisman Financial Services one eight eight
eight or two six zero one seven seven. That's one
triple eight four two six zero one seven seven, or
visit their website at Heischman f dot com. Welcome back
(14:07):
to the Safe Money and Retirement Show with John Heischman.
To contact John, the number to call is one eight
eight eight or two six zero one seven seven. That's
one eight eight eight or two six zero one seven seven.
Once again, here's John Heisman.
Speaker 2 (14:23):
Welcome back to the Safe Money and Retirement Show. I'm
your host, John Heischmann, which I appreciate you taking the
time to tune in to my show. The first part
of the show, I was discussing a financial home makeover,
(14:44):
covering what I do to help my clients with their
finances and retirement plan. So I'm now at social security.
One of the most important financial my stones that you're
going to encounter is social security, and much like a
(15:08):
structure support beam in your home, social security plays a
pivotal role in many retirement income plans, and the decisions
you make around when and how to claim benefits can
have a long lasting effect on your overall financial stability.
(15:32):
Some of the questions that I get when planning social
Security benefits for a client is how do I qualify
for Social Security? When should I start taking the benefits?
Or I am a stay at home parent, am I
(15:56):
eligible for benefits? Will social Security run out before I retire?
And how is social Security taxed? Many of you might
already know the answer to those questions, but there's a
(16:18):
lot more involved in addressing those questions. Social Security income
has to be correlated with other sources of income to
make sure you get the maximum amount do you. Next,
(16:39):
you need to understand required minimum distributions are mds. This
is a must know retirement milestone as to structuring these
rmds that you can think of it as a a
(17:00):
non negotiable inspection deadline, one you can't afford to miss.
Rmds apply to traditional iras, not roth iras, and if
it's your first RMD you can delay it until April
(17:24):
first of the following year. But we have to keep
in mind that you need to take two withdrawals in
the following year, and many times that's going to increase
your taxable income. And I know the rmds are going
to be taxed in a traditional IRA. However, it will
(17:49):
give you a steady stream of income in retirement or
support charitable donations. If you're seventy and n half or
older plus, it's going to keep your taxes lower by
spreading out income over time. So we have to include
(18:13):
r mds in your retirement income plan in order to
keep you on track, avoid surprises, and make your money
work smarter for you. And one thing that you need
to keep in mind that annuity payout options that satisfy
(18:34):
RMD rules very well could help automate withdrawals and replace
the risk of missed deadlines. WROTH renovation a smarter update
for your retirement timeline. Because this strategy will reduce the
(18:56):
impact of taxes in retirement, it will also create more
flexibility around how and when you withdraw income. Potentially it's
going to leave a more tax efficient legacy to your
beneficiaries if and when they may inherit these WROTH iras.
(19:20):
Over the last couple of years, there has been a
lot of talk and information about converting traditional iras or
a portion of traditional iras over to a wroth ira. Personally,
I really like that concept, but it's not for everyone.
(19:45):
But I do think everyone needs to look at how
a conversion could apply to their situation or if it's
something they can do. I've done a lot of wrath
convert especially over the last eighteen months or so. A
(20:05):
lot of those times I have done the conversions for clients,
but there have been situations where a conversion just didn't
work for a client. Could be for various reasons. The
taxes and other option to pay the taxes just wasn't there.
(20:29):
So let's take a look in review if a conversion
from a traditional ira to a roth ira may work
for you. Eight eight eight four two six zero one
seven seven. That's the number to call. You can leave
(20:50):
a message I'm interested in a roth conversion and I
will follow up probably priple eight for two zero one
seventy seven. And we all know part of a home
makeover or renovation is to secure your financial windows and doors.
(21:16):
Even the most beautiful home needs protection from unexpected storms,
power outages, or sudden repairs, so your financial home is
no different. Preparing for life's curveballs helps ensure that your
structure stays strong even when tested. So this step I
(21:41):
refer to as reinforcing those doors and windows with a
clear plan for emergencies such as medical issue, job loss,
or the unexpected passing of a loved one, use ueeing
the right tools and information that your fingertips can be
(22:06):
ready to weather any financial storm. So securing those financial
doors and windows isn't just about defense, It's about confidence.
I can't stress the importance of how confidence plays in
(22:27):
a financial and retirement plan. When you have confidence that
your plan design is done correctly, you have confidence you've
eliminated stress and worry, and you sleep very well at night.
Another important aspect of confidence is to know who's on
(22:52):
your financial team. I think it's good to routinely update
your emergency contacts, confirm access to key financial accounts, and
check that your emergency fund still fits your current needs.
So we might call that some maintenance today can prevent
(23:15):
major repairs tomorrow. So why does it matter. You've done
the work to renovate and protect your financial home. Now
it's time to make sure you're working with an advisor
that's going to make sure you're covered for all of
(23:35):
these situations that can occur. An expert designed financial plan
doesn't happen by accident. It takes expertise, understanding, and thoughtful guidance.
That's where your advisor should come in as your partner,
(23:58):
who is someone that stands your goals, your priorities, and
can help you build a stronger, more stable financial house.
Ninety five percent of clients report a secure and positive
relationship with their advisor. About eighty eight percent of clients
(24:24):
who work with an advisor are more likely to feel
less stress about outliving their savings thanks to the many
strategies available, such as guaranteed lifetime income. So you might say,
at this point, we schedule a final walkthrough, so the
(24:49):
work is done, the foundation has been built, key upgrades
have been made, and protection measures in place. Schedule a
time to meet with me, explore all the options to
help design a future income plan. Consider the decumulation phase
(25:11):
of retirement, and implement your plan so you can enjoy
a stress free retirement. That's what I do, that's how
I help clients, and I welcome the opportunity to discuss
your plan to see if you're on track. Also, don't
(25:33):
forget to request a copy of the Financial Home Makeover,
Renovate and reinforce your financial life. It's free. There is
no obligation complements of Heishman Financial Services eight eight eight
(25:55):
four two six zero one seventy seven Triple eight four
two six zero one seventy seven. Thank you for tuning
in to the Safe Money and Retirement Show. I'm John
Heischman and it's my pleasure bringing you the show. Enjoy
(26:18):
the rest of your weekend.
Speaker 3 (26:21):
The Safe Money and Retirement Joe John Heisman Senior. To
get in touch with John, call one AA eight four
two six zero one seven seven. That's one triple eight
four two six zero one seven seven. For more information
about Heischman Financial Services, visit their website Heisman FS dot com.
(26:42):
That's h E I S C h M A n
F S dot com. Join us again next time for
the Safe Money and Retirement Joe with John Heisman Senior
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