Right On The Money Radio Show with Tom Mosley

Episode 60: "Preparing for Retirement Under the Trump Administration"

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In today’s show we dive into 𝗛𝗼𝘄 𝘁𝗼 𝗣𝗿𝗲𝗽𝗮𝗿𝗲 𝗳𝗼𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗨𝗻𝗱𝗲𝗿 𝘁𝗵𝗲 𝗧𝗿𝘂𝗺𝗽 𝗔𝗱𝗺𝗶𝗻𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻" In this non-political episode, retirement experts Tom Mosley and Kristin Oakley explore the potential changes that could impact your financial future. From tax policy shifts and Social Security adjustments to healthcare reforms and the effect of lower interest rates, we break down how these factors could shape your retirement planning. We'll also discuss corporate tax cuts, raised tariffs, and provide some actionable steps you can take now to weather these changes and secure a resilient retirement. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 How to Prepare for Retirement Under the New Administration 07:05 Potential impact from Tax policy changes? 18:50 Impact from Social Security changes 23:18 Action items re: Social Security if you’re retiring in 5 to 10 years 36:05 Healthcare & the new administration 41:10 The impact with lower interest rates 47:55 Corporate tax cuts 49:22 Raised tariffs 51:40 Having a financial plan can help you whether the changes Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #Retirement&TrumpAdministration #TrumpAdministration #HowtoPrepareforRetirement #RetirementTips #RetirementPlanning2025 #RetirementStrategy DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

Episode 60: "Preparing for Retirement Under the Trump Administration"

In today’s show we dive into 𝗛𝗼𝘄 𝘁𝗼 𝗣𝗿𝗲𝗽𝗮𝗿𝗲 𝗳𝗼𝗿 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗨𝗻𝗱𝗲𝗿 𝘁𝗵𝗲 𝗧𝗿𝘂𝗺𝗽 𝗔𝗱𝗺𝗶𝗻𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻" In this non-political episode, retirement experts Tom Mosley and Kristin Oakley explore the potential changes that could impact your financial future. From tax policy shifts and Social Security adjustments to healthcare reforms and the effect of lower interest rates, we break down how these factors could shape your retirement planning. We'll also discuss corporate tax cuts, raised tariffs, and provide some actionable steps you can take now to weather these changes and secure a resilient retirement. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 How to Prepare for Retirement Under the New Administration 07:05 Potential impact from Tax policy changes? 18:50 Impact from Social Security changes 23:18 Action items re: Social Security if you’re retiring in 5 to 10 years 36:05 Healthcare & the new administration 41:10 The impact with lower interest rates 47:55 Corporate tax cuts 49:22 Raised tariffs 51:40 Having a financial plan can help you whether the changes Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #Retirement&TrumpAdministration #TrumpAdministration #HowtoPrepareforRetirement #RetirementTips #RetirementPlanning2025 #RetirementStrategy DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 59: "Revamp Your Retirement in Just 12 Months"

Make 2025 the year you revamp your retirement! According to the 2022 Federal Reserve Survey of Consumer Finances, the average retirement savings for people 55-64 is $537,000, with the Median Retirement Savings only being $185,000. For those 65-74 the average is 609,000, with a Median of $200,00. If you hear these stats and feel that you are behind…you’re not alone. The good news is that you can use this year to take important steps to improve your retirement and improve on what you have. Today, we’re sharing tips on how to REVAMP Your Retirement in just 12 Months. Tom & Kristin outline some specific strategies you can implement now to transform your retirement plan, max out your savings, and create a fulfilling life after work. A lot of people feel overwhelmed by the complexities of retirement planning and often neglect it until its too late… It’s never too late, the best time to start was yesterday. The second-best time to start is today… So take a listen and learn how to turn things around. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Revamp your retirement in just 12 months 07:35 Complete a comprehensive financial check-up 22:10 Maximize your retirement account contributions 32:00 Optimize your investment portfolio 42:15 Minimize taxes on retirement income 51:45 How to secure help to revamp your retirement Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementPlanning #RetirementStrategy DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 58: "Things That Can Wreck Your Retirement & How to Prepare for Them"

In today’s episode, we’re diving into some of the biggest, most costly surprises that can wreck your retirement. More importantly, Tom & Kristin provide you with practical steps you can take to help you either avoid or minimize the impact of these challenges. As the great John Wooden said, “Failing to prepare is preparing to fail.” Check out today’s show, and secure the tips and motivation you need to prepare for your retirement! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Things That Can Wreck Retirement & How to Plan For Them 07:45 Practical tips to take now 15:15 Inflation 20:18 Health Crises & Long-Term Care Needs 27:08 Market Volatility & Economic Downturns 42:30 Tax Surprises 49:47 Family Responsibilities & Changes Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================= ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementSurprises #HowtoPrepareforRetirement #RetirementTips #HealthcareinRetirement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 57: "When Should You File for Social Security? "

Deciding when to file for Social Security is one of the most important financial decisions you’ll make in retirement. In today’s show, retirement experts Tom Mosley and Kristin Oakley provide a comprehensive overview of Social Security filing ages and explain the key differences between maximization and optimization strategies. They break down the Social Security break-even point and what it means for your long-term benefits. Additionally, Tom addresses specific considerations for those who are married or widowed, offering guidance to help you make the best decision for your unique situation. Whether you’re planning ahead or approaching retirement, this show will equip you with the knowledge to navigate your Social Security options confidently. Listen now to learn how to make the most of your benefits! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 When should you file for Social Security? 04:40 Social Security filling ages – A quick overview 08:24 Social Security maximization vs. Social Security optimization 23:10 The Social Security break-even point 28:19 Social Security decisions when you are married 33:18 Surviving spousal benefits 34:50 Social Security widow/widower tips 41:34 Social Security when you are divorced 45:30 Social Security strategies if you are single 47:30 Things that can ruin your Social Security Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================ If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================ ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #filingsocialsecurity #WhenShouldIFile #SocialSecurityTips #SocialSecurityAdvice #RetirementTips #HealthcareinRetirement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 56: "Inflation Proofing Your Retirement: Strategies to Keep Your Money Working"

Today, we’re tackling a very real financial challenge for retirees and soon to be retirees: inflation. You know the feeling—everything is getting more expensive. That nest egg you've worked so hard for seems to shrink as the cost of daily necessities keeps rising. Inflation isn’t just about higher prices; it’s a force that can put serious pressure on retirement income. And in retirement, you might not have the same earning power to offset these rising costs. But here's the good news: understanding where inflation hits hardest and how to counter it is possible. Today, I’m breaking down inflation's impact across different aspects of retirement income and sharing actionable strategies to keep your money working and protect your financial future.” Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Inflation Proofing Your Retirement: Strategies to Keep Your Money Working 05:20 Why It’s Important to Include Inflation in Your Retirement Plan 08:05 How Social Security is Impacted by Inflation 12:30 How Inflation Impacts Retirement Costs 18:05 Strategies for Social Security & Inflation 22:05 How Inflation Impacts Fixed Income Sources (Pensions & Annuities) 38:58 Retirement Investments during Wealth Preservation Years & Inflation 44:45 Inflation Proofing Passive Income 46:55 Inflation Impact on Cash & Savings 48:25 Taxes & Inflation Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementTips #HealthcareinRetirement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 55: "30 Years Advising – Here are the 10 Things I Want Everyone to Know About Retirement - PART 3 "

After working nearly 30 years in the retirement industry retirement expert Tom Mosley shares his list of the most vital things every person needs to know as they approach retirement. This week, in part 3 of a 3-part series, Tom recaps the first 8 items and dives into the final two: Estate Planning & Taxes. From Social Security changes to tax rate fluctuations, the housing bubble, market downturns, and even the pandemic, Tom has helped guide clients through the ups and downs of retirement planning. Tune in as Tom shares his passion and 30 years of knowledge to reveal the crucial things you need to address now so you can create the retirement of your dreams. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 What Every Person Should Know About Retirement 02:38 The first 8 Things You Should Know – A Recap 08:55 Make Sure Your Estate Plan is Together 22:00 Optimizing Your Tax Accounts 28:00 easemytaxbill.com 35:00 Retirement is About Income Not Lump Sum 40:35 How to Fill the Income Gap 46:05 Homeownership Vs. Renting 51:39 How to Get Help Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementTips #HealthcareinRetirement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 54: "30 Years Advising – Here are the 10 Things I Want Everyone to Know About Retirement - PART 2 "

After working nearly 30 years in the retirement industry retirement expert Tom Mosley shares his list of the most vital things every person needs to know as they approach retirement. This week, he recaps the first 5 and dives into the second half. From Social Security changes to tax rate fluctuations, the housing bubble, market downturns, and even the pandemic, Tom has helped guide clients through the ups and downs of retirement planning. Tune in as Tom shares his passion and 30 years of knowledge to reveal the crucial things you need to address now so you can create the retirement of your dreams. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 What Every Person Should Know About Retirement 06:13 The first 5 Things You Should Know – A Recap 14:45 Plan for Health Care Costs 28:20 Diversify and Adjust Investments Based on Risk Tolerance 41:03 Optimize Tax Efficiency 51:10 Understanding Your RMDs Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementTips #HealthcareinRetirement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 53: "30 Years Advising – Here are the 10 Things I Want Everyone to Know About Retirement "

After working nearly 30 years in the retirement industry retirement expert Tom Mosley has come up with a list of the most vital things every person needs to know as they approach retirement. From Social Security changes to tax rate fluctuations, the housing bubble, market downturns, and even the pandemic, Tom has helped guide clients through the ups and downs of retirement planning. Today, Tom incorporates his passion and 30 years of knowledge and shares the most crucial things you need to address so you can create the retirement of your dreams. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 What Every Person Should Know About Retirement 11:25 There Will be Financial Storms 14:45 Know Your Retirement Life Goals & Needs 18:50 Understand Your Social Security Benefits 31:55 Gather All Your Important Information 43:14 Create a Budget 48:36 Build a Retirement Plan 51:55 How to Find Out More Info – Part 2 Next Week Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementAdvice #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 52: "The Hidden Tax - Inflation"

Today we're diving into a topic that impacts every retiree's financial well-being: The Hidden Tax... Inflation. You might not see it on your tax return, but inflation acts like an invisible force that chips away at your purchasing power, making it essential to include in any retirement plan. In this episode, we'll break down why inflation is known as the hidden tax in retirement and discuss the phenomenon of shrinkflation — the subtle decrease in product sizes that leaves you paying more for less. Plus, we'll share strategic ways to address and manage inflation's impact on your hard-earned savings. Stay tuned as we also answer your listener questions about Required Minimum Distributions (RMDs) and clear up the confusion for those born in 1959. Get ready for an insightful hour filled with expert advice, actionable tips, and the answers you need to safeguard your retirement against the stealthy bite of inflation. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 The Hidden Tax… Inflation 10:35 Shrinkflation (paying more for less) 12:05 Inflation has to be built into a Retirement Plan 14:10 The Inflation Gut Check 17:15 How Inflation Should be Factored into Retirement 27:35 How a Retirement Income Plan Can Address Inflation 40:50 Listener Question: Can you aggregate Your TSP and IRA for RMDs? 43:43 Clarifying RMDs for those born in 1959 49:40 Our creative way to help navigate clients through RMDs Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #Taxes #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 51: "Common RMD Mistakes: What they Are & How to Avoid Them "

Building up your retirement savings takes decades of hard work, but one misstep with Required Minimum Distributions (RMDs) can lead to massive penalties. In today’s show, retirement experts Tom Mosley and Kristin Oakley share the most common RMD mistakes and how people make them. They also provide solid tips on steps you can take to avoid so you can protect your savings from costly errors and unnecessary taxes. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Common RMD Mistakes – What They Are & How to Avoid Them 00:00 Overview of what RMDs are 15:15 How to estimate what your RMD Tax liability Could Be 17:43 Missing the RMD Deadline 23:30 Not Calculating the Correct Amount 31:24 Taking RMDs from the Wrong Account 37:14 Not Using RMDs Strategically in Tax Planning 44:17 Forgetting to Take RMDs After Spouse’s Death 48:04 Overlooking the Still Working Exception 50:45 Not Using RMDs for Charitable Contributions Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #TaxesinRetirement #RMDMistakes #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 50: " Biggest Hidden Retirement Costs – Part 2 "

When it comes to retiring there’s a reality many fail to consider, hidden retirement costs! These surprise costs can catch you off guard and potentially derail your financial security. From the rising costs of Long-Term Care, including Medicare premiums and out-of-pocket expenses, to the costs of downsizing, or losing a spouse, retirement isn't always as straightforward or as easy as it seems. In today’s show, retirement experts Tom Mosley and Kristin Oakley dive into “Part 2” of the lesser-known expenses that could catch you off guard in retirement and share what you can do now to stay ahead of them. Let’s make sure your golden years are truly golden. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Biggest Hidden Retirement Costs 07:50 Net Worth or Retirees 14:25 Long Term Care 30:19 Losing A Spouse 35:50 Downsizing Costs 40:52 Family Support (financial help for adult kids/grandkids) 47:44 Insurance Costs Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #Retirementcosts #SurpriseRetirementexpenses #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 49: "Biggest Hidden Retirement Costs"

When it comes to retiring there’s a reality many overlook: the hidden retirement costs! These surprise costs can catch you off guard and potentially derail your financial security. From the rising costs of healthcare, including Medicare premiums and out-of-pocket expenses, to the taxes on Social Security benefits and retirement accounts that can eat into your income—retirement isn't always as straightforward as it seems. In today’s show, retirement experts Tom Mosley and Kristin Oakley dive into the lesser-known expenses that could catch you off guard in retirement and share what you can do now to stay ahead of them. Let’s make sure your golden years are truly golden. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Biggest Hidden Retirement Costs 03:30 Healthcare 14:30 Taxes on Social Security & Retirement Accounts 31:15 Inflation 40:55 Home Maintenance & Repairs 48:20 How you can plan for these costs Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #Retirementcosts #SurpriseRetirementexpenses #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services
Episode 48: "10 Things to Do to Prepare for Retirement in Uncertain Times"

How do you prepare for retirement when everything is so uncertain? International tensions are rising, taxes and Social Security policies are hanging in the balance, inflation is hitting our wallets, and our national debt has soared to an eye-watering $35 trillion. And if that’s not enough, the market is as volatile as ever. For anyone trying to plan their retirement, it’s a lot to take in. In today’s show, retirement experts Tom Mosley and Kristin Oakley walk you through 10 actionable steps you can take right now to prepare for retirement in these uncertain times. Let’s turn fear into action and build a secure future together. Let’s dive in!" Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 10 Things to Do to Prepare for Retirement in Uncertain Times 07:30 #1 Diversify Investments 14:45 #2 Build an Emergency Fund 20:55 #3 Pay Down Debt 31:45 #4 Maximize Retirement Contributions 35:39 #5 Create a Retirement Budget 37:10 #6 Review & Adjust Your Portfolio 42:20 #7 Consider Health Care Costs 44:35 #8 Explore Semi-Retirement 48:35 #9 Evaluate Social Security Strategies 50: 15 #10 Prepare for Market Volatility 50:45 How to Prepare Recap Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #Retiringinuncertintimes #howtoprepareforretirement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 47: "Retirement Financial Check list: Are You Ready?"

As were entering that last part of the year, it's the perfect time to do a financial check-up and make sure you're on track to meet your retirement goals. In today's video, Tom & Kristin walk you through a Financial Check-Up List with eight key steps you can take right now to set yourself up for success before the year ends. They cover everything from maximizing your retirement contributions and adjusting your tax withholding to rebalancing your investment portfolio, making charitable contributions, planning for health-related expenses, and reviewing your insurance coverage. So, stick around—this is going to be packed with actionable tips you won't want to miss! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Retirement Checklist 04:20 Income & Expense Review 15:08 Review & Maximize Retirement Contributions 21:52 Assess Investment Portfolio 27:55 Tax Loss Harvesting 31:56 Tax Planning 37:29 Retirement Strategy/Blueprint 40:22 Evaluate Year-End Charitable Contributions 43:20 Plan for Health-Related Expenses 47:20 Review Insurance Coverage 50:32 Estate Planning Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #retirement checklist #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 46: "Balancing Debt & Saving for Retirement"

How do you save for retirement while also trying to pay off lingering debt? It’s a tough dilemma that many pre-retirees and retirees find themselves facing these days. In fact, it’s a balancing act that can feel really overwhelming, especially with market uncertainties, inflation, and rising costs. But here's the truth—both goals are possible with the right strategy. In this video, retirement experts Tom Mosley and Kristin Oakley unpack some practical steps you can implement now to help you navigate this challenging financial landscape & secure your future without sacrificing your present. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Balancing Debt & Saving for Retirement 04:50 Why the balancing act of debt and savings is so vital NOW 07:00 Step #1 Assess Your Financial Situation 14:48 Step #2 Prioritize High-Interest Debt 18:24 Step #3 Take Advantage of Employer Retirement Contributions 22:34 Step #4 Automate Your Savings 28:20 Step #5 Consider Downsizing or Make Lifestyle Adjustments 37:20 Securing a retirement plan/blueprint can help set you up for success. 41:00 Step #6 Explore Debt Consolidation or Refinancing Options 47:35 Step #7 Build an Emergency Fund 48:15 Step #8 Avoid Tapping into Retirement Accounts Early 51:55 How to Secure Help Creating a Plan Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #BalancingDebtandSavings #HowtoSaveforRetirement #PayOffDebtorSaveForRetirement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 45: "The Biggest Regrets of Retires - Part Two"

In the second half of our two-part series, we dive even deeper into The Biggest Regrets of Retirees! Are you unknowingly setting yourself up for retirement disappointment? Don’t miss out as retirement experts Tom Mosley and Kristin Oakley reveal some of the most common regrets that retirees face, including: • Taking Social Security too early • Ignoring inflation • Overlooking tax implications • Failing to start a Roth account sooner • Lacking a clear retirement lifestyle plan • Neglecting relationships and experiences • Skipping estate planning But it’s not just about what went wrong—Tom and Kristin offer smart solutions you can take right now to avoid these pitfalls and build a retirement that works for you. This is your chance to secure a more comfortable and stress-free future. Tune in for practical advice and expert insights that will help you take charge of your retirement before it’s too late! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Biggest Regrets of Retirees – Part Two 00:00 Summary of Part One Regrets of Retirees 07:40 Regret: Taking Social Security Too Early 14:15 Ignoring Inflation & Cost of Living Increases 21:15 Failing to Consider Tax Implications 28:20 Failing to Start a Roth Account Earlier 35:40 Not Having a Clear Retirement Lifestyle Plan 40:50 Quick Summary 44:50 Not Prioritizing Relationships & Experiences 50:10 Neglecting Estate Planning Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #Retirement Regrets #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 44: "Stop “Shoulding” on Yourself! The Biggest Regrets of Retirees! "

Are you making the same mistakes that leave retirees saying, "I should have...?" In this episode of Right on the Money, retirement experts Tom Mosley and Kristin Oakley dive into the importance of having a retirement plan and uncover the 4 biggest regrets many retirees face: • Not saving enough money • Not starting early enough • Making poor investment decisions • Underestimating healthcare costs Tom & Kristin also provide solid solutions on what you can do now to ensure you don’t make the same mistakes. Don't wait until it's too late! Learn how to avoid these common pitfalls and secure a more comfortable and stress-free retirement. Tune in now for practical advice and expert insights to help you take control of your financial future! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Stop “Shoulding” on Yourself! The Biggest Regrets of Retirees 04:24 Why Having a Retirement Blueprint is So Important 08:22 Regret: Not Saving Enough 14:10 Regret: Not Starting Early Enough 29:17 Regret: Poor Investment Decisions 40:00 Regret: Underestimating Healthcare Costs Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #regretsinretirement #retirementmistakes #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 43: "Retirement Accounts You Need to Know & Have"

Planning for a successful retirement requires more than just saving—it’s about knowing which key accounts to set up and manage throughout your retirement journey. Each account plays a unique role in helping you meet your financial goals, from day one of retirement to your later years. In this episode, retirement experts Tom Mosley and Kristin Oakley walk you through the essential retirement accounts you need to have organized. They’ll break down why each account matters and how it fits into a personalized strategy to achieve your retirement dreams. Whether you’re just beginning to think about retirement or are preparing to take the leap, this episode will give you the knowledge you need to feel confident about your financial future. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 The Retirement Accounts You Need to Know & Have 06:24 Workplace Retirement Accounts 401ks, 403bs, 457 19:48 Moving Your Workplace Retirement Account Options 23:20 IRAs (Individual Retirement Accounts) 28:00 Two Risk Scores You Need to Know 32:45 Self-Employed Retirement Accounts 33:45 Medi-Care & Medi-Gap/Medi-Care Advantage 43:13 Medi-Care IS NOT Long Term Care 44:08 Social Security Accounts 46:39 Pension Plan Accounts 48:55 Creating a Personal Pension: Annuity Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementAccounts #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 42: "Home Sweet Home in Retirement - The Ups & Downs of Home Ownership" "

In this episode, we take a heartfelt journey into one of the most personal and significant investment decisions you'll make in retirement— your “home”. Whether you’ve always dreamed of owning a cozy cottage, feel the pull of a carefree rental, or want to continue to live in your forever home, we explore the emotional and financial impacts of your choices. We also peel back the layers of what it really takes to maintain a home in retirement—beyond just bricks and mortar. From unexpected repairs to ongoing upkeep, the hidden costs can weigh heavily on your peace of mind and your retirement savings. But it’s not all about dollars and cents. We celebrate the joys of home ownership in retirement—the sense of security, the cherished memories made, and the comfort of having a space that’s truly yours. Finally, we help you see how your decision to buy, sell, or rent ties into your overall retirement plan, guiding you toward the choice that feels right for you—both financially and emotionally. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Your Home & Retirement 04:42 Owning a Home vs. Renting in Retirement 14:50 The Importance of R.U.M.I (repairs, upkeep, maintenance, improvements) 17:05 Why Younger People Should Focus on Investing Right Now. 18:55 The Upside of Owning a Home in Retirement 27:30 The Psychological and Lifestyle Benefits of Owning a Home 35:10 Reasons People Regret Moving Out of State 40:30 What to Consider if You Want to Move Out of State Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================= ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #ForeverHome #MovinginRetirement #ReitrementLiving #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 41: "Is It Time to Retire NOW?"

Are you wondering if now is the right time to retire? In today’s show, retirement experts Tom Mosley and Kristin Oakley explore the key factors that can help you make this life-changing decision. Whether you’re being forced to retire or feel like now is the time to do it, Tom & Kristin share tips on how to evaluate your financial readiness while considering your health, family, and personal goals. They’ll also outline the key challenges you need to consider as you determine whether it’s “time to retire.” Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Is it time to retire? 02:04 What to do if you’re being forced to retire 11:32 What to do if you get laid off near retirement 14:18 What to do if you decide you want to retire now! 15:44 Determine if you have income that will last you as long as you do 16:42 Retiring early enables you to maximize your Go-Go Years 22:20 Creating a retirement plan gives you freedom to retire 27:45 Understand these 14 challenges when considering retiring early Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #RetiringEarly #CanIRetire #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 40: "Why People are Running Out of Money in Retirement"

Whether you're a GenY, Millennial, GenXer, or Boomer, one of the biggest fears is running out of money in retirement. In this episode, retirement experts Tom Mosley and Kristin Oakley dive deep into the reasons why so many people face this daunting reality. From the average savings per age group to the impact of longer lifespans, we explore the critical factors contributing to financial shortfalls in retirement. We'll discuss: • How living longer is affecting retirement. • The effects of 30.4 million Americans turning 65 by 2030. • Specific reasons why people are running out of money, such as insufficient savings, inflation, unexpected expenses, healthcare, long-term care costs, poor investment decisions, and debt. Plus, we offer actionable solutions to help you avoid these common pitfalls and secure your financial future. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Why People Run Out of Money in Retirement 09:15 Average amount saved per age group 14:14 People are living longer 16:55 30.4 million Americans will turn 65 by 2030 20:11 People are running out of money due to: Insufficient Savings 23:53 People are running out of money due to: Inflation 27:17 People are running out of money due to: Unexpected expenses 29:20 People are running out of money due to: Health Care/Long Term Care Costs 32:25 People are running out of money due to: Poor Investment Decisions 37:12 People are running out of money due to: Debt 40:00 Solutions: Start early and save consistently 44:44 Solutions: Create a Retirement Plan Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #Runningoutofmoneyinretirement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 39: "ROTH IRAs & ROTH Conversions - What, How, Why, & When

Roth IRAs and Roth Conversions play a crucial role in effective retirement planning. In this week’s show, retirement experts Tom Mosley and Kristin Oakley cover the important what, how’s, why’s and when’s of ROTHs. They break down the tax advantages, compare Roth IRAs with Traditional IRAs, and explore why a Roth conversion might be a smart move for securing your financial future. They’ll also touch on contribution limits, the process of converting to a Roth, and some key considerations, including when a Roth conversion might not be the best option. Listener questions and the latest updates from the Secure Act round out this important guide to helping you maximize your retirement strategy. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 ROTH Conversions & TAXES 06:30 ROTH IRA vs Traditional IRA 08:38 ROTH Conversions 14:28 ROTH Contribution Limits 16:45 Why Should Someone do a ROTH Conversion? 21:25 How to Do a ROTH Conversion 27:29 How to Learn More about Retirement Planning 30:00 Using Tax Software that shows the impact of ROTH Conversions 32:25 Reason Why You Shouldn’t do a ROTH Conversion 40:30 Listener Questions: Can I Cash Out an IRA and Convert to ROTH? 46:34 Listener Questions: If I’m 73 and working do I have to withdraw money from my SIMPLE IRA? 48:30 How to Ask Questions 48:55 Secure Act Clarification: Breaking News Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, Check this video out: https://youtu.be/QkJzvbZ_gDs #ROTH Conversions #ROTH IRAS #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 38: "Everything You Needed to Know About RMDs Part 2: Strategies for Optimizing Your Withdrawals

RMDs (Required Minimum Distributions) are an important but often overlooked aspect of retirement planning. They represent the minimum amount you must withdraw annually from your retirement accounts starting at age 73 (as of now). While the concept seems simple, the execution can be complex. In today's episode, retirement planning experts Tom Mosley and Kristin Oakley continue their in-depth exploration of RMDs. They’ll guide you through various strategies to optimize your distributions, ensuring you make the most of your retirement savings. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Everything You Want to Know About RMDs – Part 2 01:30 RMD – 10 Strategies to take Distributions: Recap from last week on #1 & #2 03:00 #3 How to use a QCD (Qualified Charitable Distribution) 09:00 #4 Strategizing Your Withdrawals 14:28 #5 Consider How Your Withdrawals Will Affect Your Tax Bracket, Irma, and Capital Gains 17:30 #6 Consider Spousal Withdrawals 20:52 #7 Use RMDs to Rebalance Your Portfolio 23:30 #8 Doing a ROTH Conversion Before You Hit RMD age 39:40 #9 Using RMD to secure an annuity 43:50 #10 Using RMD to secure a Cash Value Life Insurance/Indexed Universal Life Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, Check this video out: https://youtu.be/QkJzvbZ_gDs #RMDWithdrawalStrategy #RMDs #RequiredMinimumDistribtuionsExplained #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 37: "Everything You Wanted to Know About RMDs"

What is an RMD? An RMD, or Required Minimum Distribution, is the amount you must withdraw from your retirement qualified plan accounts each year after turning 73 (as of now!). While the letters might seem simple, RMDs themselves are anything but! In today’s show, retirement planning experts Tom Mosley and Kristin Oakley dive deep into the complexities of RMDs, answering all the questions you’ve been too afraid to ask. Understanding the ins and outs of RMDs and the ever-changing rules surrounding them is crucial – you don't want to face those massive IRS penalties 😥. Tom and Kristin help clarify: ✅What RMDs are ✅How RMD calculations are made ✅What to do if you have multiple retirement accounts ✅Planning strategies for RMDs ✅Why updating your beneficiary information is vital! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Everything You Wanted to Know About RMDs – but were afraid to ask 02:34 What RMDs are – simplified 04:20 Retirement Accounts that are affected by RMDs 06:05 ROTH IRAs do not have RMDs 08:32 RMD Calculations 14:33 The Exception for the first year to take out your RMD. 17:05 What you must do if you have multiple Retirement Accounts. 18:53 What to do with your 401Ks/403b/457 if you have those. 20:15 The Penalties you incur for taking them out late. 28:35 How RMD rules apply to Inherited IRAs 32:50 Planning ideas for RMDs 39:12 Listener Question: Do my family members automatically inherit my IRA’s? 50:41 How to secure help with your RMD planning and distributions. Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ============================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, check this video out: https://youtu.be/QkJzvbZ_gDs #RMDs #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 36: "Risks You'll Face in Retirement - Part 4 of a 4 Part Series"

Risk /risk/ (noun): A situation involving exposure to danger. (verb): To expose someone or something valued to danger, harm, or loss. Facing retirement can be intimidating, with a host of risks that can make the future seem uncertain. However, it doesn’t have to be this way. In our special 4-part series, financial experts Tom Mosley and Kristin Oakley examine the key risks that individuals encounter as they prepare for retirement. In this fourth installment, we focus on Withdrawal Rate risk, Long Term Care risk, Social Security risk, and the risk associated with Scams targeting Seniors. Tom and Kristin will not only highlight these risks but also offer practical steps and strategies to help you manage them, lessen your anxiety, and enhance your retirement plans. Join us for this insightful discussion! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Risks You’ll Face in Retirement (Part 4 of 4) 04:50 Withdrawal Rate Risk 19:13 Long Term Care Risk 27:20 Social Security Risk 41:14 Fraud and Scam Risks Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, Check this video out: https://youtu.be/QkJzvbZ_gDs #RisksinRetirement #LongTermCare #WithdrawalRate #RMDs #TaxesinRetirement #OutofStateTaxes #RetirementRisks #MarketVolatility #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 35: "Risks You'll Face in Retirement - Part 3 of a 4 Part Series"

Risk /risk/ (noun): A situation involving exposure to danger. (verb): To expose someone or something valued to danger, harm, or loss. Facing retirement can be intimidating, with a host of risks and uncertainties that can make the future seem uncertain. However, it doesn’t have to be this way. In our special 4-part series, financial experts Tom Mosley and Kristin Oakley examine the key risks that individuals encounter as they prepare for retirement. In this third installment, we focus on two crucial risks: Taxation (including those that you face with out of state moves, income, property, and RMD’s). They also cover Tax Loss Harvesting and complete the week’s show addressing the risks that come with Pensions. Tom and Kristin will not only highlight these risks but also offer practical steps and strategies to help you manage them, lessen your anxiety, and enhance your retirement plans. Join us for this insightful discussion, and don't forget to tune in next week for Part 4! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Risks You’ll Face in Retirement (Part 3 of 4) 03:11 The Risk of Taxation 05:07 Out of State Taxes 14:42 Understanding RMDs & Taxes 25:24 Tax Loss Harvesting 34:05 The Risk of Pensions 43:09 How to Ease into Retirement – what that means Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, Check this video out: https://youtu.be/QkJzvbZ_gDs #RisksinRetirement #TaxLossHarvesting #RMDs #TaxesinRetirement #OutofStateTaxes #RetirementRisks #MarketVolatility #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 34: "Risks You'll Face in Retirement - Part 2 of a 4 Part Series"

Risk /risk/ (noun): A situation involving exposure to danger. (verb): To expose someone or something valued to danger, harm, or loss. Facing retirement can be intimidating, with a host of risks and uncertainties that can make the future seem uncertain. However, it doesn’t have to be this way. In our special 4-part series, financial experts Tom Mosley and Kristin Oakley examine the key risks that individuals encounter as they prepare for retirement. In this second installment, we focus on three crucial risks: market volatility, sequence of returns, and interest rates. Tom and Kristin will not only highlight these risks but also offer practical steps and strategies to help you manage them, lessen your anxiety, and enhance your retirement plans. Join us for this insightful discussion, and don't forget to tune in next week for Part 3! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Risks You’ll Face in Retirement (Part 2 of 4) 07:08 The Risk of Market Volatility 21:07 The Risk of Sequence of Returns 34:46 The Risk of Interest Rates 38:19 Listener Questions “Can I roll money over to a Roth after I take my RMD?” 44:02 Listener Questions “Do I have to wait until my 73rd birthday to take my RMD, or can I take it within the year that I turn 73?” Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, Check this video out: https://youtu.be/QkJzvbZ_gDs #RisksinRetirement #RetirementRisks #Sequenceofreturns #MarketVolatility #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 33: "Risks You'll Face in Retirement - Part 1 of a 4 part Series"

Risk /risk/ (noun): A situation involving exposure to danger. (verb): To expose someone or something valued to danger, harm, or loss. Retirement can be a daunting prospect, filled with a myriad of risks and uncertainties that can feel overwhelming. However, it doesn’t have to be. In our special 4-part series, financial experts Tom Mosley and Kristin Oakley delve into the most significant risks facing individuals as they approach retirement. In the first part of our series, we’ll explore three critical risks: the risk of longevity, the risk of inflation, and the risk of healthcare costs. Tom and Kristin will not only shed light on these risks but also provide actionable steps and strategies to help you mitigate these dangers, reduce your fears, and optimize your retirement plans. Tune in, check it out, and be sure to check back in next week for Part 2! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Risks that face Retirees (Part 1 of 4) 03:40 The Risk of Longevity 13:45 The Risk of Inflation 28:24 The Risk of Health Care Costs 38:33 Listener Questions “How does the 4% withdrawal rate work?” 45:30 Listener Questions “Where do I turn to for reliable financial advice?” Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #RisksinRetirement #RetirementRisks #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 32: "Overcoming Retirement Fears So You Can Enjoy Retirement!

Are you approaching retirement and feeling uncertain about what lies ahead? You’re not alone. Retirement is a significant life transition that can bring a blend of anxiety, fear, and excitement. In today’s show, financial experts Tom Mosley and Kristin Oakley delve into the biggest fears you may face as you enter retirement. They provide practical financial strategies and tips to minimize these fears, ensuring you can fully enjoy your retirement years. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Overcoming Retirement Fears So You Can Enjoy Retirement 06:44 The Fear of Outliving Your Savings 13:45 The Fear of Spending Your Money 14:46 The Fear of Market Volatility 19:42 The Fear of Health Care Costs 28:38 The Fear of Inflation 34:25 The Fear of Not Having a Legacy Plan 38:55 The Fear of Unexpected Expenses 43:27 The Fear of What Will Happen to Social Security 48:00 The Fear of Political and Economic Uncertainty Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementFears #RetirementAnxiety #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 31: "What to Do if Social Security Benefits Get Cut"

𝗖𝗼𝘂𝗹𝗱 S𝗼𝗰𝗶𝗮𝗹 S𝗲𝗰𝘂𝗿𝗶𝘁𝘆 Benefits be 𝗿𝗲𝗱𝘂𝗰𝗲d by 𝟮𝟬% in 2033 or 2034? It’s hard to believe that’ll happen, but if it does, will you be prepared? That’s the topic 𝗧𝗼𝗺 and Kristin 𝗱𝗲𝗹𝘃𝗲 𝗶𝗻𝘁𝗼 this week. They’ll share some of the reasons why 𝗦𝗼𝗰𝗶𝗮𝗹 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆 could be reduced, and more importantly, provide some solid tips on what you can do now to financially prepare in case future 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 are reduced. Don't leave your retirement security to chance-empower yourself with the knowledge and tools to build a resilient financial plan. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 What to do if Social Security benefits are cut? 04:00 Reasons why there is confusion on the impact date and amount 05:50 How to prepare for a benefit cut? #1 Increase savings & investments 14:25 How retirement plans can help you plan 17:44 How to prepare for a benefit cut? #2: Reduce debt 21:25 Optimize Social Security 30:42 How to prepare for a benefit cut? #3: Consider additional income streams 40:20 Listener Question: Forced into retirement at 57 with a pension. Can I retire? 43:45 Listener Question: Are there annuities that cover both spouses? 47:35 How to do I look at my 401K account? I’ve never paid attention to it. Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #SocialSecurityReduction #SocialSecurityBenefits #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 30: "Everything You Need to Know about Generational Wealth"

In today’s show, financial experts Tom Mosley and Kristin Oakley dive deep into the buzzworthy topic of Generational Wealth. With Baby Boomers now holding over 50% of the total wealth in the United States, understanding how to build and preserve wealth across generations has never been more crucial. Join Tom and Kristin as they explore the essentials of Generational Wealth, offering valuable insights and strategies: 🧐 Why is Generational Wealth the New Buzzword? Discover the driving forces behind this trending concept. 🏦 Steps to Create Generational Wealth: Learn actionable strategies to build a lasting financial legacy. 💡 Maximize Your Inheritance: If you receive an inheritance, know crucial moves you need to grow and protect your assets. 🔑 Ensure Your Legacy: Implement key strategies to ensure your hard-earned assets are correctly passed on to the next generation. Don't miss out on these vital tips to build, preserve, and pass on wealth for your family’s future. Tune in now! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Everything You Need to Know About Generational Wealth – But Afraid to Ask 03:00 Motivations to Create Generational Wealth 04:45 How to Make/Create Generational Wealth 14:14 How to Receive Generational Wealth 30:30 How to Pass On Generational Wealth 40:30 Listener Questions: Clarification on RMD Age 46:27 Listener Questions: How to plan for receiving inheritance Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #GenerationalWealth #FinancialPlanning #Inheritance #WealthBuilding #FamilyLegacy #TomMosley #FinancialFreedom #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 29: "Mistakes to Avoid Near Retirement"

In today’s show, finance experts Tom Mosley and Kristin Oakley tackle essential retirement topics that you can’t afford to miss. First, they uncover key mistakes to avoid as you approach retirement, ensuring your nest egg remains secure. If you’ve avoided these pitfalls and built a health savings, they share powerful tactics to minimize your tax burden. Finally, they take an in-depth look at taxes and annuities, wrapping up with insightful answers to listener questions. This episode is a virtual retirement buffet served up to help you ease into retirement. Tune in and take control of your financial future! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 The Impact of Working Longer 03:37 Failing to Maximize your Contributions 05:55 Failing to Analyze your Social Security Options 09:15 Taking on Unnecessary Debt 10:37 Taking on Too Much Risk 14:50 How to Save Money on Taxes with a $2 Million IRA 17:33 Roth Conversions 22:22 Creating the Right Withdrawal Strategy 28:35 Annuities: Fixed Indexed Annuity – Why this is a Better Choice 30:31 #1 Principal Protection 32:45 #2 Growth is Tax Deferred. 33:43 #3 Lifetime Income Options. 35:02 #4 Death Benefits 38:28 Listener Questions: I’m 67, Inherited $500K, How Can I Invest it Outside the Stock Market? 45:48 Listener Questions: I May Need Long Term Care, What Can I Do? Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementMistakestoAvoid #RetiringWith2Million #RetirementAnnuities #RetirementTaxes #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 28: "Can I Retire With a Million? & Reasons to Work Past 70"

Tune in to today's show for an engaging and insightful discussion with financial experts Tom Mosley and Kristin Oakley as they tackle a burning question facing many soon-to-be retirees: "Is a million dollars enough to retire?" Discover three compelling reasons why the answer might be a resounding “No.” Plus, Tom and Kristin dive deep into the growing trend of working past 70. With over 43% of individuals over 70 still in the workforce, they'll explore the crucial factors behind this choice. Learn how extending your career can influence your financial security and, even more importantly, the mental, emotional, and physical considerations you need to weigh. Don't miss this opportunity to gain valuable knowledge and practical advice on navigating your retirement years! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Is a Million Dollars enough to retire? 02:40 3 reasons a million dollars may not be enough for retirement. 04:20 #1 Lack of spending awareness & budget 09:12 #2 Health care costs can significantly affect your savings. 11:05 #3 Inflation can significantly impact your savings. 15:10 Reasons to consider working past the age of 70. 30:00 The financial impact of working past 70 39:50 Consider the Mental/Emotional/Physical impact of working past 70. 44:35 Listener Questions: How do I pick the right financial advisor? Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #CanIRetirewithamillion #Retirementat70 #Workingpast70 #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 26: "Key Things to Know in Retirement"

Are you prepared for a financially secure retirement? Join Tom, Kristin, and special guest Travis Hawley, Vice President of Mosley Wealth Management, as they dive deep into the importance of continuously expanding your financial knowledge before and during retirement. In today's enlightening episode, our experts will cover some of the critical topics you need zero in on, like budgeting, managing your income, and maximizing Social Security benefits. Don't miss this opportunity to empower yourself with the knowledge you need for a successful retirement! Tune in to hear practical advice, real-life examples, and expert insights that can make a significant difference in your financial future. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Key Things to Know in Retirement 05:25 Get Smart when it comes to your financial decisions. 07:31 Be smart about Social Security 09:30 Educate yourself on inflation and it’s effects on your retirement. 14:30 Success in retirement is not about your lump sum, but your INCOME. 18:10 Retirement Plan Questions: When do you want to retire? 23:20 Anticipate the “big hits” that you may encounter in retirement. 29:49 Why you’d want to draw your Social Security early. 33:56 Why you’d want to delay drawing your Social Security. 40:40 Listener questions: Can I access my wife’s HSA? 43:05 Listener questions: How can I help my Mom begin a retirement account? 46:33 Listener questions: What kind of investments can you do in a ROTH? Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementEducation #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 25: "How to Create a Secure & Exciting Retirement"

Creating a secure and exciting retirement requires a variety of steps. In today’s show Tom and Kristin cover the most foundational steps you need to take to create the retirement you want. They address the importance of having a secure retirement and how retirement income, whether it’s a pension, social security, or creating your own “pension” is vital to creating the mental freedom you need to enjoy your retirement years. With over 20 years in the retirement business, Tom also reveals the 8 key “non-financial’ areas to focus on to ensure you live a life of purpose and joy in retirement, and finally, Tom & Kristin discuss some tips on how to get your financials in order to further maximize retirement. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 How to create a secure and exciting retirement. 01:40 How the transition from Pensions to 401Ks is affecting retirement. 08:15 How creating a retirement plan can create security. 11:20 How you can create your own Pensions. 17:48 The difference between happy retirees and unhappy retirees 19:57 8 Areas you work on to have a more fulfilling retirement. 28:50 How to get your financials in order so you can maximize retirement. 41:24 Listener Questions Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementIncome, #RetirementPlanning, #RetirementStrategy, #FinancialEducation, #FinancialLiteracy, #HowToRetireEarly, #RetirementPlanningAt50, #RetirementPlanningAt60, #HowMuchDoINeedToRetire, #HowToRetireEarly, #RetirementPlanningTips, #FinancialAdvisor, #SocialSecurity, DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 24: "Retirement Planning for Women"

When it comes to financial planning, retirement planning for women is especially important. While women are more educated and have more financial resources than ever before, they also have a unique set of challenges that make saving for retirement more difficult. In today’s show, Tom and Kirstin discuss some of these unique challenges and the different steps women can take to overcome them. They’ll also dive into the question, “Can I retire comfortably with $500,000 in retirement savings” and share 7 tips that will help make that possible. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 0:00 Retirement Planning for Women 05:58 Why women retire earlier than expected. 07:56 Steps women can take as they near retirement. 15:40 The importance of having a plan. 18:40 Women’s financial success is growing. 22:10 Can you retire comfortably? 23:13 7 Tips to retire comfortably with $500,000 28:33 #1 No Winging it. 29:52 #2 Develop a formal strategy. 32:20 #3 Consider delaying Social Security. 33:35 #4 Learn about Medicare. 35:22 #5 Pay off debt. 35:40: #6 & #7 Keep working, even part-time and be opportunistic. 38:12 Listener Question: I’m 65, no savings, just social security, what can I do? 43:19 Listener Question: We have 2.1 million in the stock market, will it last? 47:05 Listener Question: I have a will and power of attorney. Do I need a trust? Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, Check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementPlanningForWomen #RetirementIncome #Retiringwith500K #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 21: "10 Things You Need to do When You Are 5 Years Away form Retirement"

A successful retirement requires both proper planning & strategic moves. In today’s show, Tom & Kristin discuss the 10 things you need to do when you’re 5 years away from retirement. This is a “don’t miss” show packed with information that will help determine your next steps, so be sure to check it out so you can ease into retirement! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 10 Things you need to do when you are 5 years away from retirement. 04:10 Retirement can seem overwhelming. 06:32 #1 Create a plan. 10:34 #2 Build an emergency fund. 11:35 #3 Maximize Your retirement account. 14:00 #4 Decide what to do with your home. 17:55 #5 Eliminate debt. 20:16 #6 Update your estate plan. 21:50 #7 Create a retirement budget. 22:50 #8 Consolidate your “stuff”. 24:00 #9 Build your bucket list. 24:38 #10 Go have fun. Celebrate your retirement. 27:50 The silent killer of your retirement: Inflation 29:45 How inflation rate is adjusted within 4 categories (Food/Fuel & Healthcare/Housing). 32:20 How to manage inflation on a fixed income? 42:40 Listener Questions: How to create a long-term care financial plan? 46:46 Listener Questions: Can I retire in my early 50’s? Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan, Check this video out: https://youtu.be/QkJzvbZ_gDs #Retiringin5years #EarlyRetirement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 20: "What to Anticipate as you Transition into Retirement"

Transitioning into retirement is a process that also includes a lot of adjustments. In today’s show, Kristen and Tom discuss some of those adjustments and shed some light on the difficulties of moving from an accumulation phase to a phase where you actually feel comfortable spending some of the money you worked so hard to save. They’ll also share some recent studies that reveal the concerns “Boomers” and “Gen Xers” have as they face the future and prepare to take the plunge into retirement. ump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 What to Anticipate as you transition into Retirement. 03:54 Anticipate the personal and financial adjustment. 07:20 There is an adjustment moving from accumulating money to spending money. 07:56 Balancing saving and spending requires having a solid retirement plan 13:40 Concerns for Baby Boomers & Gen Xers. 20:55 Concerns of Social Security, health care, and inflation 33:11 What you can do this year if you’re feeling behind in saving for retirement. 39:08 Listener Questions: Annuities, Caring for Loved Ones Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #PreparingForRetirement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 19: "Annuities - The Pros & Cons"

People have a wide variety of thoughts when they hear the word 𝐀𝐧𝐧𝐮𝐢𝐭𝐢𝐞𝐬. In today’s episode of 𝑹𝒊𝒈𝒉𝒕 𝑶𝒏 𝑻𝒉𝒆 𝑴𝒐𝒏𝒆𝒚, Tom and Kristin discuss the pros and cons of 𝐀𝐧𝐧𝐮𝐢𝐭𝐢𝐞𝐬, what makes people love them or hate them, and steps you can take to determine whether annuities are right for you. So far in 2023, over 192 billion dollars have gone into annuities, and they continue to rise. Keep in mind that the 𝐦𝐚𝐫𝐤𝐞𝐭 𝐰𝐢𝐥𝐥 𝐜𝐨𝐧𝐭𝐢𝐧𝐮𝐞 𝐭𝐨 𝐠𝐨 𝐮𝐩 𝐚𝐧𝐝 𝐝𝐨𝐰𝐧, and that is why it is important to have a written plan so that no matter if its an up year or not, 𝐘𝐎𝐔 𝐖𝐈𝐋𝐋 𝐁𝐄 𝐏𝐑𝐄𝐏𝐀𝐑𝐄𝐃! So you ask, What can an Annuity do for me? ✅Guaranteed income ✅Increasing income ✅If you pass, your spouse will continue to receive that income Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 The pros and cons of Annuities 6:00 Consider who & why someone is recommending an annuity. 15:00 Why so many people are turning to annuities now. 19:00 The different types of annuities. 29:00 Questions people ask about annuities. 32:28 Why someone would want to consider an annuity. 36:45 The reasons why someone would NOT want/need an annuity. 40:30 Why this is a good time to secure an annuity or revaluate yours. 43:33 Sample client scenarios Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #Annuities #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 18: "Refinance Your Retirement"

While higher interest rates are not optimal for refinancing a home, they can be great for refinancing your retirement! In today’s insightful show, Kristen and Tom present compelling reasons why now is an ideal time to reevaluate your investments and capitalize on the benefits of higher interest rates. They detail how you can take advantage of improved returns on CDs, money markets, and even the latest fixed indexed annuity products. Generating more retirement income isn’t just about chasing yields. Kristen and Tom also guide you through the strategic merits of consolidating your 401(k)s and IRAs and explain how this powerful move can open doors to better diversification, improved interest rates, and streamlined management of your hard-earned savings. Whether you're already in retirement or still accumulating savings, this podcast is a must-listen for anyone seeking to optimize their investment income and overall retirement planning approach. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Refinancing your finances overview. 04:56 Why timing is of the essence. 07:30 Examples of how to use the higher interest rates. 10:30 How investment strategies should change. 14:30 Why switching to more principal protected investments could make sense. 17:30 How increased interest rates could hurt investments. 20:58 How increased interest rates can affect your investments. 30:22 How a retirement blueprint/plan can help you assess what actions to take. 35:20 What happens at an initial advisor meeting? 39:10 Client example 42:24 Listener questions Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ======================= If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ======================= ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs #InterestRates #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766. Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 17: "Divorce & the Financial Impact on Retirement"

Divorce is difficult anytime, but it’s especially difficult when it happens during in or nearing your retirement years. It’s the event that can singly halve your assets while doubling your expenses, which can be catastrophic in retirement. In today’s show, Tom & Kristin delve into what people are calling “Gray Divorce” and discuss why it’s on the rise. More importantly, they take a deep dive into the unique financial challenges people will face and need to prepare for when they decide to part ways later in life. This is a valuable episode you won’t want to miss. Tom also provides some crucial advice and tips to those that are already divorced and trying to financially recover. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Divorce & the financial impact on Retirement Planning 05:40 Why “Gray Divorce” is on the rise. 14:00 The Unique financial challenges that come with divorce in retirement. 14:42 Separating real estate assets & retirement pensions & IRAs. 20:00 The importance of securing advice and planning when dividing retirement assets. 21:13 How health care insurance is affected by divorce, especially in retirement. 22:22 Managing life insurance policies. 23:15 Social Security benefits and divorce 28:26 Tax implications when it comes to divorce. 30:23 How to divide retirement accounts in divorce (QDRO). 31:19 Why alimony/spousal & child support are so important. 32:48 Property transfer tax implications. 34:30 Estate planning & inheritance 39:30 Tips for those trying to recover financially after divorce. Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #DivorceAndRetirement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 16: "What Taxes Will I Have to Pay in Retirement" Part 3

In this third installment in our series on Taxes in Retirement, Tom helps answer the question “What taxes will I have to pay in retirement?” He walks you through the reasons taxes have become such an issue, how certain financial choices can affect your tax liability in retirement, and how things like Roth Conversions can potentially minimize your taxes and enable you to ease into retirement. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 What taxes will I have to pay in Retirement. 07:10 How taxes have become an issue for people in retirement. 09:30 The difference between regular IRAs/4o1Ks and Roth IRA/ROTH 401Ks 14:14 How taxes change & the importance of managing them in retirement correctly. 18:15 The future of taxes. 20:50 Why some advisors don’t want to do ROTH conversions. 24:11 Roth Conversions before 59 ½. 28:00 Ideal time to do Roth Conversions 59 ½ and 73. 35:20 Roth Regrets 41:13 Key Steps: Determine Adjusted gross income 44:12 Real life example of taxes with regular IRA vs. ROTH IRA 49:57 Info on how to get help. Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #RetirementTaxes #TaxesinReitrement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 15: "Paying Taxes in Retirement - What You Need to Know" Part 2

There are a lot of things to consider as you plan for retirement, but one of the often-overlooked aspects is the impact of paying taxes in retirement. In our 2nd episode of a 3 part series, retirement experts Tom Mosley& Kristin Oakley focus on the impact taxes can have on Medicare, Social Security, and your RMD’s. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Paying taxes in retirement 05:00 How taxes can affect Medicare. 15:00 Make sure your financial advisors address Medicare & taxes. 22:20 Taxes on Social Security 28:56 Tax Brackets & Social Security 37:00 Social Security Tax Bracket Thresholds haven’t been adjusted for 40 years. 40:12 Taxes & RMDs Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #PayingTaxesInRetirement #RetirementIncome #RetirementPlanning #RetirementStrategy #FinancialEducation #FinancialLiteracy #HowToRetireEarly #RetirementPlanningAt50 #RetirementPlanningAt60 #HowMuchDoINeedToRetire #HowToRetireEarly #RetirementPlanningTips #FinancialAdvisor #SocialSecurity #MedicareAndTaxes #SocialSecurityTaxes #RequiredMinimumDistributions DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 14: "What Taxes Will I Have to Pay in Retirement?"

Taxes are the biggest factor that can ruin your retirement. In the first episode of a series on Taxes in Retirement, Tom provides an overview of the taxes you’ll have to pay in retirement and shares insight into the things you can do to start creating a strategy to minimize them. You’ll learn the difference between Non-Qualified and Qualified accounts, how ROTH IRAs play a role in tax savings, and how capital gains effects taxes. Listen now and learn how you can take the steps needed to minimize your taxes and ease into retirement. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Intro: What Taxes Will I have to Pay in Retirement? 08:10 Taxes can have a huge impact on retirement. 10:04 Know your tax bracket. 14:43 Difference in tax planning and tax preparation 19:32 Qualified vs Non-Qualified Accounts 21:04 ROTH IRA 28:10 Capital Gains Taxes 31:46 Capital Gains – Real life scenarios 34:55 Difference between long term capital gains and short-term capital gains 39:35 Understanding “Step up in cost basis.” Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please like & 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #RetirementStrategy #FinancialEducation #FinancialPlanningAt50 #FinancialPlanningAt60 #HowDoIRetire #Retirement #RetirementIncome #RetirementPlanning #Investing #FinancialAdvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 13: "Make Financial Resolutions in 2024"

Planning for retirement can be confusing and challenging! In today's show 𝗧𝗼𝗺 𝗼𝘂𝘁𝗹𝗶𝗻𝗲𝘀 𝘁𝗵𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗿𝗲𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗺𝗮𝗸𝗲 𝗡𝗢𝗪 𝗮𝗻𝗱 𝘁𝗵𝗲 𝘀𝗽𝗲𝗰𝗶𝗳𝗶𝗰 𝗮𝗰𝘁𝗶𝗼𝗻 𝗶𝘁𝗲𝗺𝘀 𝘆𝗼𝘂 𝗰𝗮𝗻 𝘁𝗮𝗸𝗲 𝘁𝗼 𝗴𝗲𝘁 𝘆𝗼𝘂 𝗼𝗻 𝘁𝗿𝗮𝗰𝗸 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻𝘀. He’ll also share the key economic headwinds you need to be aware of in 2024 (*economic headwinds are the things that can slow you down from reaching your goals), and address some of the biggest changes retirees encounter as they begin their retirement years. So, take a listen now and take the steps you need to reboot your 2024 financial goals and ease into retirement. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Financial Resolutions can happen anytime. 02:15 Get Started! Start to save more through 401K/ROTH 401K. 06:30 Create a budget. 07:15 Work on getting out of debt. 07:59 Create an emergency fund. 09:36 Consider your taxes & prepare for them. 13:35 Economic headwinds can knock you off your retirement course. 15:30 Economic headwind: Longevity 19:10 Economic headwind: Inflation 23:00 Economic headwind: Market Volatility. 24:04 Economic headwind: Taxes 28:55 You need to prepare for the unexpected. 30:37 Change in job situations 32:34 Change in marital status/relationships 34:04 Change in the health of your parents or loved ones. 36:30 Change in caring for grandkids or family other members. 38:27 Listener Questions Have specific questions for Tom and the team at Mosley Wealth Management? Check out www.mosleywealthmanagement.com =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄, 𝐥𝐢𝐤𝐞, 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞! =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #inflation #retirementincome #retirementplanning #investing #financialadvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 11: "Can I Retire in My 50's?"

One of the biggest questions we’ve been encountering lately is “Can I retire in my 50’s?” It’s a simple question, however the answer is a lot more involved. In today’s show, Tom and Kristin share 4 critical things people need to consider in order to determine if they are financially ready to step away from their job and retire in their 50’s. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Intro: Can You Retire in Your 50’s 01:59 Some challenges Gen Xers are facing as they contemplate retirement. 06:10 Reasons why 50+ year-olds are wanting to retire. 11:15 4 things you need to consider which will determine if you can retire at 55. 14:10 Can one million dollars saved enable you to retire at 55? 17:10 #1 Consider how you’ll fund your fun while you’re in your “Go-Go” Years. 23:10 #2 Consider the gaps in Social Security, access to IRA’s, and Medicare. 40:37 #3 Consider your debt 43:10 #4 Consider the risk of your longevity & investments. 46:20 Call to Action & How to get a retirement blueprint. Have specific questions for Tom and the team at Mosley Wealth Management? Book a complimentary visit here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄, 𝐥𝐢𝐤𝐞, 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞! =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #Retireat55 #Retiringinmy50s #RetirementMistakes #RothConversions #inflation #retirementincome #retirementplanning #investing #financialadvisor #SocialSecurity #finacialliteracy #financialeducation DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 10: "How to Make 2024 Even Better Financially"

In today’s show Tom & Kristin share some tips on how to make 2024 even better financially by shinning the spotlight on Required Minimum Distributions. Tom walks you through the options you have for receiving them as well as shares tips on how to decrease your taxes on them. In the second half of the show, Tom describes 8 of the most common mistakes he sees people make when it comes to retirement and how to avoid them. Finally, we take listener calls and address questions on inherited IRAs. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 How to Make 2024 Even Better Financially 01:26 How to make your RMD’s better in 2024 – Options to receiving them. 01:55 If you were born in 1951 or earlier you must take RMDs this year. 03:54 You can take your RMDs as income flow. 05:07 If you don’t need the money, you can do a ROTH conversion. 06:15 How to decrease your RMD & why? (Taxes brackets will be going up) 07:30 You can take the money and make ROTH Conversions. 14:00 How you can avoid RMD taxes entirely. 27:43 8 Common Retirement mistakes 28:02 Not considering inflation 29:40 Not thinking you’ll live to 90 31:20 Overestimating the amount you’ll need 33:20 Being too conservative or too aggressive in your portfolio 34:06 Forgetting about Health Care costs 35:20 Not factoring real estate costs & not having a retirement plan 38:50 Listener questions Have specific questions for Tom and the team at Mosley Wealth Management? Book a complimentary visit here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄, 𝐥𝐢𝐤𝐞, 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞! ========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #Howtomake2024better #financesin2024 #RequiredMinimumDistributions #RMD #RetirementMistakes #RothConversions #inflation #retirementincome #retirementplanning #investing #financialadvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 9: "Things to Consider When You Want to Be Hands On with Your Retirement"

In today’s podcast, Tom & Kristen discuss the top things to consider when you want to be hands on with your retirement. First, they share 5 questions you need to ask yourself when it comes to managing your 401K (or any of the “4 plans”) and maximizing your investments. Next, they address the topic of Long Term Care, share some current stats, and provide several solutions you can consider to address the high costs of Long Term Care. Finally, Tom addresses inflation and the impact the cost of living is having on Social Security. Whether you're just starting out with your 401(k), looking to enhance your existing strategy, or wanting some current information on Long Term Care and the impact of inflation on Social Security, this episode is packed with actionable insights to help you take control of your retirement savings. Tune in and empower yourself to make informed decisions about your financial future. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Intro 01:23 5 Questions to ask when you are taking a hands on approach to retirement 02:45 The various 4 plans (401K, 403b, 457) 06:45 Question#1: Do you have the right qualifications? 09:40 Question #2 – How Good Are Your Raw Materials (The funds within your 401K) 15:20 Question #3 – What is your asset allocation plan? 18:20 Question #4 – Is fine-tuning your account in order? Assess options to 401Ks. 22:58 Question #5 – What is your oversight strategy? 26:48 Long Term Care & What you need to know to remove the fear on this topic 43:12 COLA (cost of living adjustment) & Social Security 45:35 Listener Questions Have specific questions for Tom and the team at Mosley Wealth Management? Book a complimentary visit here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄, 𝐥𝐢𝐤𝐞, 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞! =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #inflation #retirementincome #retirementplanning #stockmarket #investing #financialadvisor #SocialSecurity #Financial Literacy #RetirementEducation #FinancialKnowledge #LongTermCare #401KStrategy #Managingretirementonyourown DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 7: "Retirement Playbook - Moves to Make When You're 10 Years Out From Retirement"

Retirement is much like the Superbowl. Just like the big game, reaching retirement involves hard work and perseverance, but to secure victory, strategic moves are crucial, especially when you enter the "Red Zone" – those pivotal 5 to 10 years before retirement. In this episode Tom and Kristen unveil the playbook for a winning retirement: 🏈 Financial Red Zone Strategy: Learn the essential plays during the critical 5 to 10 years leading up to retirement. It's the game-changing phase where your financial strategy can make all the difference. 💡 Score Big with Maximized 401K Funding: Discover why funding your 401K to the max is a game-changer. Tom and Kristen break down the playbook for maximizing your financial gains and setting the stage for success. 🔄 Rethinking 401K Assignments: Uncover the importance of rethinking your 401K assignments. 📚 Adding an IRA to Your Playbook: Explore the benefits of incorporating an IRA into your strategy. 🔍 Traditional IRA vs. Roth IRA: Navigate the decision-making process on whether to opt for a Traditional IRA or Roth. 💼 Pensions Game Plan: What to do if you have a pension? Tune in to this special broadcast and equip yourself with the winning strategies needed to emerge victorious in your retirement. Don't miss the chance to score big in the Financial Super Bowl of life! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Retirement Playbook 01:15 Financial Red Zone Strategy 04:00 Move #1 – Maximize Your 401K 09:10 Move #2 – Tactical 401K Rethink 17:25 Move #3 – IRA Power Play 23:15 Move #4 – Traditional IRA vs. ROTH IRA 35:23 Move #5 – The Pension Game Plan 43:00 Move #6 – Social Security Mastery Have specific questions for Tom and the team at Mosley Wealth Management? Book a complimentary visit here https://mosleywealthmanagement.com/contact/ =========================================== Like this content? Please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄, 𝐥𝐢𝐤𝐞, 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞! =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #inflation #retirementincome #retirementplanning #stockmarket #investing #financialadvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley nsurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 5: "The Sandwich Generation - Managing the Cost of Caring for your Parents & Your Retirement

If you're in your 40s & 50s, juggling the responsibilities of caring for aging parents and supporting your own family can have profound financial implications. Join Tom and Kristen in this crucial discussion about the unique challenges faced by individuals in the 'sandwich generation.' Explore the direct impact on your retirement plans and learn strategic approaches to secure your financial future. In this video, Tom, and Kristen dive deep into the emotional and financial aspects of caring for aging parents. Discover how this role can affect your retirement savings, potentially altering the trajectory of your financial goals. Gain valuable insights on navigating this financial strain and uncover effective solutions to safeguard your retirement plans. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Intro 01:41 Defining the Sandwich Generation 05:30 Unique retirement challenges that come with caring for parents. 10:10 The financial impact of caring for parents. 14:30 How to help your parents prepare for passing financially. 18:00 Documents that need to be in order. 20:23 Secure 2.0 Inherited IRA implications. 23:34 Unique retirement challenges that come from caring for your kids & young adults. 26:51 How to maximize your retirement under the circumstances. 27:20 Scarcity mindset & learning to take care of yourself 30:40 Start with a retirement plan. 34:30 Start putting money away and automate where you can 39:50 401K Coaching 43:20 Paving the way for Roth 401K options 47:05 Getting out of debt. 48:20 Importance of Life insurance (especially if you have debt, kids, and mortgage) 50:53 Call to Action – Need help? Have specific questions for Tom and the team at Mosley Wealth Management? Book a complimentary visit here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄, 𝐥𝐢𝐤𝐞, 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞! =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #inflation #retirementincome #retirementplanning #stockmarket #investing #financialadvisor #SocialSecurity #FinancialImpact #RetirementPlanning #AgingParents #SandwichGeneration #FinancialWellBeing" DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 3: "Retirement - To Contribute or Not to Contribute, that's the Question"

To contribute or not to contribute? That is a big question for many. Is it better to direct money to a tax deferred plan, or take that money and put it in a plan that grows tax-free? Today, retirement expert Tom Mosley and Kirsten Oakley discuss the pros and cons of contributions, that issues that arise from qualified plans, and the steps you can consider taking that will help you maximize your money in retirement. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Retirement - to Contribute or Not Contribute 02:45 Reasons why someone would want to consider not contributing to a 401K or IRA 07:24 Why a qualified plan isn’t the “be all” that it used to be 11:15 Why qualified plans are good 14:30 What should people be doing with their current qualified plans? 24:45 Why knowing your risk score is so important 28:30 Solutions on what do with your contributions 29:49 The difference between a ROTH and regular 401K 37:55 Call to action & how to create a retirement strategy. 39:48 When it’s NOT a good idea to convert into a ROTH 47:42 To contribute or not to contribute? Save! Have specific questions for Tom and the team at Mosley Wealth Management? Contact us 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄, 𝐥𝐢𝐤𝐞, 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞! =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #IRAContributions #ROTHContributions #inflation #retirementincome #retirementplanning #stockmarket #investing #financialadvisor #SocialSecurity #401K #ROTH IRA DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 2: The When's of Retirement

Timing is everything in retirement, so it’s crucial to know not only the “what to do” but the “when to do it”. Whether you’re in your 20’s or your 70’s, there are steps you should take to maximize YOUR retirement savings and live the life you desire. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 The When's of Retirement 03:25 What to do to prepare for retirement when you are in your 20’s, 30’s and 40’s. 15:00 What to do when you are in your 50’s – aka “The Redzone”. 29:30 What to do when you are 59 ½! A time when retirement rules change. 41:30 The big question…. “When can I retire?” Have specific questions for Tom and the team at Mosley Wealth Management? Book a complimentary visit here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄, 𝐥𝐢𝐤𝐞, 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞! =========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #When to Retire #Retiring Early #inflation #retirementincome #retirementplanning #stockmarket #investing #financialadvisor #Whencaniretire #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
Episode 1: "The 6 Essential Components You Need to Include in a Retirement Strategy"

One financial decision will affect all the others. In retirement, you must look at a plan comprehensively & holistically. In today’s show, Tom explains the difference between retirement investments and a retirement strategy. He discusses the 6 essential components you need to address and include in your plans to develop a true retirement strategy. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 6 essential components to include in a retirement strategy 05:15 Why you need to have a written retirement plan. 06:20 How your lump sum and income play a role in retirement. 07:00 In retirement your income is more important than your lump sum. 13:00 Investments are your “lumberyard” & necessary to help build your retirement. 18:30 As you enter retirement you go from wealth accumulation to wealth preservation. 18:50 1st component is having income: Guaranteed, increasing, and last as long as you and/or spouse. Income is the foundation to a written retirement plan. 25:50 The 2nd component is addressing inflation. 29:50 The 3rd component is investments. You must manage your risk. 37:30 The 4th component is TAXES. 46:20 The 5th component is Health Care. 48:00 The 6th component is Legacy. Have specific questions for Tom and the team at Mosley Wealth Management? Book a complimentary visit here 👇 https://mosleywealthmanagement.com/contact/ =========================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄, 𝐥𝐢𝐤𝐞, 𝐨𝐫 𝐬𝐡𝐚𝐫𝐞! ========================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #inflation #retirementincome #retirementplanning #stockmarket #investing #financialadvisor #SocialSecurity DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

Episode 60: "Preparing for Retirement Under the Trump Administration"

Episode 59: "Revamp Your Retirement in Just 12 Months"

Episode 58: "Things That Can Wreck Your Retirement & How to Prepare for Them"

Episode 57: "When Should You File for Social Security? "

Episode 56: "Inflation Proofing Your Retirement: Strategies to Keep Your Money Working"

Episode 55: "30 Years Advising – Here are the 10 Things I Want Everyone to Know About Retirement - PART 3 "

Episode 54: "30 Years Advising – Here are the 10 Things I Want Everyone to Know About Retirement - PART 2 "

Episode 53: "30 Years Advising – Here are the 10 Things I Want Everyone to Know About Retirement "

Episode 52: "The Hidden Tax - Inflation"

Episode 51: "Common RMD Mistakes: What they Are & How to Avoid Them "

Episode 50: " Biggest Hidden Retirement Costs – Part 2 "

Episode 49: "Biggest Hidden Retirement Costs"

Episode 48: "10 Things to Do to Prepare for Retirement in Uncertain Times"

Episode 47: "Retirement Financial Check list: Are You Ready?"

Episode 46: "Balancing Debt & Saving for Retirement"

Episode 45: "The Biggest Regrets of Retires - Part Two"

Episode 44: "Stop “Shoulding” on Yourself! The Biggest Regrets of Retirees! "

Episode 43: "Retirement Accounts You Need to Know & Have"

Episode 42: "Home Sweet Home in Retirement - The Ups & Downs of Home Ownership" "

Episode 41: "Is It Time to Retire NOW?"

Episode 40: "Why People are Running Out of Money in Retirement"

Episode 39: "ROTH IRAs & ROTH Conversions - What, How, Why, & When

Episode 38: "Everything You Needed to Know About RMDs Part 2: Strategies for Optimizing Your Withdrawals

Episode 37: "Everything You Wanted to Know About RMDs"

Episode 36: "Risks You'll Face in Retirement - Part 4 of a 4 Part Series"

Episode 35: "Risks You'll Face in Retirement - Part 3 of a 4 Part Series"

Episode 34: "Risks You'll Face in Retirement - Part 2 of a 4 Part Series"

Episode 33: "Risks You'll Face in Retirement - Part 1 of a 4 part Series"

Episode 32: "Overcoming Retirement Fears So You Can Enjoy Retirement!

Episode 31: "What to Do if Social Security Benefits Get Cut"

Episode 30: "Everything You Need to Know about Generational Wealth"

Episode 29: "Mistakes to Avoid Near Retirement"

Episode 28: "Can I Retire With a Million? & Reasons to Work Past 70"

Episode 26: "Key Things to Know in Retirement"

Episode 25: "How to Create a Secure & Exciting Retirement"

Episode 24: "Retirement Planning for Women"

Episode 21: "10 Things You Need to do When You Are 5 Years Away form Retirement"

Episode 20: "What to Anticipate as you Transition into Retirement"

Episode 19: "Annuities - The Pros & Cons"

Episode 18: "Refinance Your Retirement"

Episode 17: "Divorce & the Financial Impact on Retirement"

Episode 16: "What Taxes Will I Have to Pay in Retirement" Part 3

Episode 15: "Paying Taxes in Retirement - What You Need to Know" Part 2

Episode 14: "What Taxes Will I Have to Pay in Retirement?"

Episode 13: "Make Financial Resolutions in 2024"

Episode 11: "Can I Retire in My 50's?"

Episode 10: "How to Make 2024 Even Better Financially"

Episode 9: "Things to Consider When You Want to Be Hands On with Your Retirement"

Episode 7: "Retirement Playbook - Moves to Make When You're 10 Years Out From Retirement"

Episode 5: "The Sandwich Generation - Managing the Cost of Caring for your Parents & Your Retirement

Episode 3: "Retirement - To Contribute or Not to Contribute, that's the Question"

Episode 2: The When's of Retirement

Episode 1: "The 6 Essential Components You Need to Include in a Retirement Strategy"