In today’s video, Tom shares 5 crucial steps you can take now to be retirement ready in 5 years. Whether you’re looking to retire early, or keep working for a bit, implementing each of these steps will help set you up so you are ready to take the leap into retirement. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 5 Ways to Get Ready to Retire in 5 Years 00:12 #1 Create a Retirement Plan 02:27 #2 Build an Emergency Fund 03:39 #3 Maximize Your Retirement Accounts...
May 08, 2024•10 min
If you’re scared of running out of money in retirement, you’re not alone. In fact, it’s the #1 fear for people 58 and over. One option to guarantee income in retirement is to include a new & improved annuity into your overall retirement plan. In today’s video, Tom provides an overview on Fixed Indexed Annuities, and shares 5 reasons you may want to consider giving them a second look this year as part of your retirement strategy. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇...
May 01, 2024•6 min
Have you recently been laid off or sensing one on the horizon just as you're nearing retirement? Are you uncertain about what steps to take and wondering if you can just go ahead and retire? In today’s video, Tom walks you through the 5 essential steps you need to take now so you can assess your options, and determine if retirement is the best path forward for you. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Laid off near retirement? What Should You Do? 00:15...
Apr 24, 2024•11 min
Could social security really reduce your future benefits by as much as 20%? Is this threat real? In today’s video, Tom delves into the looming threat facing Social Security and explains how it could affect you and your benefits. He shares why the system is currently broken, what the reduction will mean to you, and provides some ideas on what to do should Congress fail to act despite decades of warnings. Tom shares the startling statistics behind Social Security's financial strain and why it’s im...
Apr 17, 2024•7 min
Whether you leave a job, retire, or are laid off and you have a 401(k), you'll need to decide what to do with it. In this video, Tom shares the 4 options you have to maximize your 401(k) when you leave your job, including the pros and cons of each option. He also discusses how timing is a crucial factor in determining the best choice for your specific situation. If you're anticipating leaving your job or have recently been laid off, educate yourself on these 401(k) options so you can make the be...
Apr 10, 2024•7 min
In today’s video, Tom explains how to build a retirement plan by outlining a step-by-step approach to creating a comprehensive strategy for your golden years. He explains the difference between retirement investments and a retirement plan, and then delves into the 6 essential components that must be addressed and included to create a retirement plan that is truly comprehensive and holistic. Let’s face it, if you want to live your best retirement life free from financial stress, you must have a w...
Apr 03, 2024•11 min
Knowing when to start Social Security is a critical decision that can have a significant impact on your retirement income. In this video Tom walks you through the 3 essential questions you need to ask yourself to determine the optimal time to start receiving Social Security. 1) When is the right age to claim benefits based on your life expectancy and break-even analysis? 2) What are your contingency plans should Social Security reforms or benefit cuts affect your future payments? 3) How will you...
Mar 13, 2024•6 min
Happy retirees and Superbowl Champions both know the importance of having a winning game plan. In today’s video, Tom explains how to develop a retirement game plan by employing the same tactics retirees and champions use to drive their success! Just like championship football teams, happy retirees start with a clear vision and/or dream. Whether it's envisioning yourself on the Super Bowl platform or savoring moments with loved ones, having a dream is essential. Next, we emphasize the importance ...
Feb 08, 2024•11 min
One often-overlooked aspect of retirement planning is the impact taxes can have on your retirement years. Contrary to popular belief, retirement doesn't mean escaping taxes; it means understanding and strategically managing them. The first step is to understand the different areas where you can be taxed. Join Tom in this eye-opening session as he sheds light on the impact of Employment, Social Security, and Medicare taxes on your golden years. Learn about the lurking threat of "Bracket Creep," u...
Jan 31, 2024•8 min•Ep. 94
If you’re reading this, chances are you’re contemplating retiring in 5 years! Whether you’re planning on retiring early in your 50’s, or you want to hold off until your 60’s & 70’s, there are several crucial steps you must take NOW so you’re prepared to make the move and shape your retirement experience into the one you dream of. Today, Tom covers the 5 most crucial steps you need to take now and addresses why they’re so important when it comes to maximizing your retirement dreams. Jump to a...
Jan 25, 2024•8 min
Are you 55 or nearing 55 with a million dollars saved and wondering if you can retire NOW? It’s a question that gets asked often. In today’s show, Tom addresses the 4 biggest issues that you must consider when deciding whether you’re prepared to make the jump. He covers why it might make sense, the gaps you must consider, and the long term financial issues you may encounter. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Intro & Why people that are 55 are wa...
Jan 17, 2024•11 min
😱 Today we uncover one of retirement's biggest surprises: Sky-high TAXES on your hard-earned savings! Think of it as the knockout "punch" that can leave you and your savings reeling. 💡 The Good News? There are some key strategies you can implement that will help you minimize your tax-burden and maximize your savings. 🧐Let’s Decode Your Tax Landscape: The first crucial step? Understand which bucket your income and savings fall into. Today, Tom will delve into the Taxable Income, Tax-Deferred, ...
Jan 10, 2024•9 min
Have you ever wondered why some people sail through retirement while others hit stormy seas? Today we’re going to uncover three colossal mistakes many make as they head into retirement. We’ll also share some steps you can take NOW to correct your course and help ensure a smooth and thriving retirement. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Intro to the 3 biggest mistakes people make heading into retirement. 01:00 Mistake #1 – Saving Too Little 02:30 Mis...
Jan 03, 2024•9 min
Unless you’ve been hiding under a rock the last few years you probably struggle to make it through the day without hearing the buzzword, “𝙞𝙣𝙛𝙡𝙖𝙩𝙞𝙤𝙣”. While there are different kinds of inflation, they all lower the value of your hard-earned assets. Through the use of Social Security and increasing streams of income, we’re able to grant our clients peace of mind in knowing they 𝘄𝗼𝗻’𝘁 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗺𝗮𝗸𝗲 𝘀𝗮𝗰𝗿𝗶𝗳𝗶𝗰𝗲𝘀 to their lifestyles in retirement! If you’re interested i...
Sep 06, 2023•13 min
Even though everyone can’t wait until they retire, nearly every retiree has some apprehension or fear before they make the leap. This is completely natural as this is new to you and we’re wired to be 𝗹𝗲𝗲𝗿𝘆 𝗼𝗳 𝘁𝗵𝗲 𝘂𝗻𝗸𝗻𝗼𝘄𝗻. If you need assistance in gaining some confidence to 𝗼𝘃𝗲𝗿𝗽𝗼𝘄𝗲𝗿 𝘁𝗵𝗲𝘀𝗲 𝗳𝗲𝗮𝗿𝘀, the team at Mosley Wealth Management would love to help! DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Managem...
Aug 30, 2023•13 min
Social Security has been the 𝗯𝗮𝗰𝗸𝗯𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗔𝗺𝗲𝗿𝗶𝗰𝗮𝗻 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 since its introduction in 1935. But a lot has changed in our everyday lives since that era, so 𝘁𝗵𝗲 𝗽𝗿𝗼𝗴𝗿𝗮𝗺 𝗻𝗲𝗲𝗱𝘀 𝗰𝗼𝗻𝘀𝘁𝗮𝗻𝘁 𝗮𝗱𝗷𝘂𝘀𝘁𝗺𝗲𝗻𝘁𝘀. For example, Social Security was designed as a way to supplement retirement income for individuals aged 62 and higher. DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, In...
Aug 23, 2023•12 min
The number one fear for both soon-to-be and current retirees alike is 𝗿𝘂𝗻𝗻𝗶𝗻𝗴 𝗼𝘂𝘁 𝗼𝗳 𝗺𝗼𝗻𝗲𝘆 in retirement. So how do you combat these concerns and produce 𝗴𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗹𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗶𝗻𝗰𝗼𝗺𝗲 for the rest of your days? Watch the video to find out! 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. ...
Aug 16, 2023•14 min
You’d have to conduct a pretty lengthy and thorough search to find a financial professional or anyone in the know who thinks taxes will not be 𝗵𝗲𝗮𝗱𝗲𝗱 𝘂𝗽𝘄𝗮𝗿𝗱𝘀 in the future. Then, the question is less will they be higher, and more of what you’re able to do to make 𝘆𝗼𝘂𝗿 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼 𝗮𝘀 𝘁𝗮𝘅-𝗲𝗳𝗳𝗶𝗰𝗶𝗲𝗻𝘁 𝗮𝘀 𝗽𝗼𝘀𝘀𝗶𝗯𝗹𝗲 in order to keep more of your hard-earned money in your pocket! DISCLOSURE: Investment advisory services offered by duly registered individual...
Aug 09, 2023•9 min
If you’ve already transitioned into retirement, you’re probably aware of what a headache finding the 𝗽𝗿𝗼𝗽𝗲𝗿 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗽𝗹𝗮𝗻 for you and your spouse can be. For those planning their retirements, 𝘄𝗲𝗹𝗰𝗼𝗺𝗲 𝘁𝗼 𝘁𝗵𝗲 𝗽𝗮𝗿𝘁𝘆! 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 i...
Aug 02, 2023•11 min
It definitely is an uncomfortable thought, but the reality is that in virtually every single retired couple, one will have to traverse through a period of their golden years 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝘁𝗵𝗲𝗶𝗿 𝗽𝗮𝗿𝘁𝗻𝗲𝗿. For these 𝘀𝘂𝗿𝘃𝗶𝘃𝗶𝗻𝗴 𝘀𝗽𝗼𝘂𝘀𝗲𝘀, proactive moves the couple made before the passing, and knowing what to do in the wake, can help to reduce the financial strife during this period of emotional grief. DISCLOSURE: Investment advisory services offered by duly registered indi...
Jul 26, 2023•12 min
It can be tough to determine if you or your spouse will have a 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗰𝗮𝗿𝗲 𝗶𝘀𝘀𝘂𝗲 arise or if a 𝗻𝗲𝗲𝗱 𝗳𝗼𝗿 𝗰𝘂𝘀𝘁𝗼𝗱𝗶𝗮𝗹 𝗰𝗮𝗿𝗲 will rear its ugly head during your retirement. Perhaps then, the question isn’t 𝗜𝗙 you need a strategy to cover steep long-term care costs, but rather 𝗔𝗥𝗘 𝗬𝗢𝗨 𝗣𝗥𝗘𝗣𝗔𝗥𝗘𝗗 should that instance arise? After all, a solid and well-rounded retirement plan is holistic, comprehensive, and proactive. You and your spouse may luck out ...
Jul 19, 2023•12 min
A lot of big-box firms and advertisements push a benchmark figure to hit for retirement, often one or two million dollars. But this retirement planning approach doesn’t account for the 𝗰𝗼𝘂𝗻𝘁𝗹𝗲𝘀𝘀 𝗼𝘁𝗵𝗲𝗿 𝗳𝗮𝗰𝘁𝗼𝗿𝘀 to consider. Account statements and balances are 𝗻𝗼𝘁 𝗮 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻. It’s merely a lumberyard. You’ve got to figure out how to take all that lumber you’ve been accruing during your working years and build your 𝘀𝗼𝘂𝗻𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗵𝗼𝗺𝗲....
Jul 12, 2023•12 min
Unless you’ve spent the last couple years under a rock or without turning on a TV or logging onto the internet, you’re aware that 𝗶𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 𝗿𝗮𝘁𝗲𝘀 𝗵𝗮𝘃𝗲 𝗯𝗲𝗲𝗻 𝘀𝗸𝘆𝗿𝗼𝗰𝗸𝗲𝘁𝗶𝗻𝗴. Things have started to regress back to the mean thus far in 2023, but upon closer inspection, one will find that the risks posed by 𝘀𝘁𝗮𝗰𝗸𝗲𝗱 𝗶𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 are ever present. The year-over-year inflation rate in 2022 was 8.5%. In 2023, it came down to 4.9%. Thus, since 2021, we’ve seen ...
Jul 05, 2023•9 min
Since its introduction in the late 1990s, Roth IRAs have gained traction among savvy investors who were 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝘁𝗼 𝗿𝗲𝗺𝗼𝘃𝗲 𝘀𝗼𝗺𝗲 𝘂𝗻𝗰𝗲𝗿𝘁𝗮𝗶𝗻𝘁𝘆 from their future income picture. Now they are starting to enter the field of 401(k)s, so it helps to know exactly what 𝗥𝗼𝘁𝗵 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 can do. Roth IRAs and Roth 401(k)s allow you to pay taxes on the contribution to the accounts at current rates in exchange for 𝗧𝗔𝗫-𝗙𝗥𝗘𝗘 𝗴𝗿𝗼𝘄𝘁𝗵𝗮𝗻𝗱𝘄𝗶𝘁𝗵𝗱𝗿𝗮𝘄𝗮𝗹𝘀late...
Jun 28, 2023•11 min
When you first enter retirement, your health is likely good, your bucket list is long, and time is plentiful. The PERFECT equation for 𝘀𝗽𝗲𝗻𝗱𝗶𝗻𝗴 𝗺𝗼𝗻𝗲𝘆. But how can you spend freely in your 60s and have 𝘁𝗵𝗲 𝗰𝗼𝗻𝗳𝗶𝗱𝗲𝗻𝗰𝗲 𝗶𝗻 𝗸𝗻𝗼𝘄𝗶𝗻𝗴 𝘁𝗵𝗮𝘁 𝗮𝘀𝘀𝗲𝘁𝘀 𝘄𝗶𝗹𝗹 𝘀𝘁𝗶𝗹𝗹 𝗯𝗲 𝗮𝗿𝗼𝘂𝗻𝗱 later down the line when you might need to allocate more toward your or a spouse’s healthcare? By turning those account statements you have into an 𝗮𝗰𝘁𝗶𝗼𝗻𝗮𝗯𝗹𝗲, 𝙒𝙍𝙄𝙏...
Jun 21, 2023•8 min
If you're not the same person you were 5 years ago, your investments probably shouldn't be either. Consider this, if you're aggressive on the inside, shouldn't your portfolio match who you are? And if you're conservative, your portfolio should probably align with that too. On this episode of EASE, Tom breaks down 4 reasons you should consider personalized risk into your portfolio. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). ...
Apr 19, 2023•13 min
ESG stands for environmental, social, governance and did you know that it is mandatory for these funds to be in your retirement plans? Such as your 401(k), 403(b), 457(b). On this episode of EASE, Tom covers all things ESG funds. 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 pot...
Apr 12, 2023•12 min
In the month and year of March 2023, we've witnessed the following banks go near or ENTIRELY underwater, Silicon Valley Bank, Silvergate Bank, and Signature Bank. And since there's a limited coverage per account under FDIC, how does this bank crisis impact the REST Of society? Tom Mosley discusses in depth, how this crisis may impact your present and future retirement. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosl...
Apr 05, 2023•10 min
Television, Facebook, Instagram, TikTok, your friendly neighborhood plumber, they're ALL the best news sources...we wouldn't want to disagree with you. All we're asking is, can you trust EVERYTHING they've told you about annuities? Stick around to hear Tom run through some questions you might want to ask before believe that annuities are your mortal enemy... Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insuranc...
Mar 30, 2023•16 min
One of our clients walked in the other day stating that he was curious about 401ks and how they work, digging more into his question, we discovered he had 6 401k's all from different employers! On today's episode, Tom runs through 4 different options you have if you're in a similar situation to our client. You can stay, start a new 401k, cash out, or rollover to an IRA. Keep watching to learn more about 401k's and everything else you're too afraid to ask. Don’t spend more time wondering about wh...
Mar 22, 2023•12 min
