Every week, we have podcasts come out, and as new listeners find us, it can get very tedious to find all the resources we provide. This week we have prepared an End of 2023 wrap up to highlight some of the episodes from this year.
Reviewing 2023’s Episode List
Finding an episode on your respective listening platform will vary, so we’re going to provide:
- Title
- Episode number
- Date
We’ll also link to the location on our website where you can listen to each podcast to make it a bit easier to find.
Ep. 193 – Navigating The Decision to Retire Now or Work Longer – January 16, 2023
If you’re wondering if you can retire or if you’re ready to retire, you’ll love this episode. It can be an overwhelming process, so we take some time to outline important considerations such as:
- Budgeting
- Health and Age
- Goal and Interests
This episode helps you think through your financial readiness to secure your retirement.
Ep. 197 – 10 Reasons Everyone Needs a Power of Attorney in Retirement – February 13, 2023
Anything can happen at any time. A Power of Attorney, particularly a Durable Power of Attorney, is one that we’ve seen come up a lot this year with clients. Disability or incapacitation can happen at any time.
We outline 10 very important reasons to have your Power of Attorney documents in order, including:
- Protecting Privacy
- Dealing with Tax Matters
- Having Someone to Manage Your Finances
A Power of Attorney is up there in importance with your will and HIPAA authorization.
You’ll learn the ins and outs of Power of Attorney documents in this episode.
Ep. 201 – Do You Need a Trust in Retirement? – March 13, 2023
We did quite a few episodes on trusts this year because they’re such an important part of retirement planning. We’ve partnered with professionals in this area so that our clients can easily have a trust put in place for them.
In this episode, we interview Andres Mazabel at Trust & Will. He addresses the common question, “Do I Need a Trust?”, to really help you understand if a trust is right for you or not.
Ep. 204 – Social Security Spousal Benefit in Retirement – April 3, 2023
Social Security has a lot of complications, which is why we brought Heather Schreiber on to explain how spousal benefits work. In our example scenario, one client has worked their entire life, and his spouse did not.
His spouse assumed that without working, she wouldn’t have Social Security, but we explained how she would receive $1,700 a month in benefits.
For many couples, an additional $1,700 in benefits is completely finance-altering. If you’re close to Social Security age, this is certainly a good episode to listen to.
Ep. 208 – Maximizing Tax Benefits by “Bunching” – May 1, 2023
If you’re charitably inclined, you can leverage “bunching” and donor-advised funds to save money on your taxes. In the episode, we discuss how you can bunch multiple years of contributions into one so that you can take a larger deduction.
Utilizing this strategy has saved some of our clients hundreds or thousands of dollars.
Ep. 217 – You Have Enough to Retire, but How Do You Create an Income – July 3, 2023
Creating income is challenging when you’re in the accumulation phase of life transitioning into the retirement phase. In this episode, we discuss how to put assets into buckets and methods that you can follow to have a consistent income.
We talk about sequence of return risks and how to really have fun in retirement.
Ep. 219 – Annuities or CDs – What You Should Consider – July 17, 2023
Last year, interest rates rose. For annuities and CDs, interest rates were favorable and therefore quite attractive to many people. In this episode, we cover what you need to think about when deciding between an annuity and a CD.
Ep. 223 – Protecting Against Cybersecurity Threats – August 14, 2023
Cybersecurity is something that you may not expect to see on this list, but it’s a crucial topic that demands attention. Around this time of year (the holiday season), threats increase dramatically.
You may receive spam and phishing threats from many directions, including texts and emails.
We outline 14 items for you to consider to help protect yourself from these threats going into 2024.
Ep. 224 – Long-Term Care Planning Options – August 21, 2023
Long-term care planning is something no one wants to think about, but it’s something that you really must dive into before you need it. Our guest Jessica Iverson talks with us about how this form of planning has evolved, the breakdown of increasing costs, and alternative options that are available.
You do have options where you’re not stuck in a “use it or lose it” scenario, which is what we cover in great detail in this episode.
Ep. 226 – Integrated Wealth Management Experience in Retirement – September 4, 2023
In this episode, we look at what integrated wealth management means and how it works in our practice. You will be interested in this episode if you want to know how we address:
- Income and tax planning
- Estate planning
- Long-term care
- Social Security
- Medicare
Ep. 231 – Social Security Taxation – How it Works in Retirement – October 9, 2023
Many people are shocked to learn that they must pay taxes on their Social Security. We had our enrolled agent, Taylor Wolverton, CFP® walk us through:
- The factors and math behind Social Security Taxation
- How Social Security Taxation can impact your Retirement Planning
- How to know if you’ll be taxed on Social Security
Ep. 234 – Roth IRA – 5-Year Rule – Your Retirement – Part 2 with Denise Appleby – October 30, 2023
Denise Appleby was our special guest during this episode, and she discusses Roth IRAs in such great detail that it’s a must-listen. We go over the rules for Roth accounts and conversions from start to finish in a nice and easy manner.
Ep. 235 – The Art of a Risk-Adjusted Portfolio in Retirement – November 6, 2023
Risk in retirement exists, but you can use a risk-adjusted portfolio to hedge those risks. We explore determining risk tolerance and some of the strategy behind investment styles. We also take some time to define terms like:
- Core
- Tactical
- Structured notes
- Fixed income
Ep. 236 – Rae Dawson – The Basics of a CCRC – November 13, 2023
Note: Rae was also on for Episode 236 on November 27 (listen here) for Part 2.
Rae teaches a class on Continuous Care Retirement Community (CCRCs) at Duke University, and joined us on the podcast to dive in on the basics, such as:
- When’s the best time to join a community?
- Should you do an upfront or rent-only scenario?
- What to think about when choosing a CCRC?
Ep. 239 – Anne Rhodes – Estate Planning– Simplified – December 4, 2023
Anne Rhodes from wealth.com helped us simplify estate planning in retirement. She works closely with us and our clients to explain:
- Legal documents you need
- Reasons to have a trust vs a will
- What certain documents do
We look forward to our new schedule going into 2024 where we’ll continue to provide relevant insights every Monday with a more structured format.
Click here to schedule a call with us to discuss any of the topics above in greater detail.