Feeling behind on your retirement savings? You’re not alone! Here’s the good news though, you can completely revamp your retirement in just one year! It won’t be easy, but with focus and the right strategies, it’s absolutely possible! Retirement planning can feel overwhelming, and too often, people put it off until it’s almost too late. But it’s never too late to make a change. Remember, the best time to start was yesterday, and the second-best time is NOW! In today’s video, we’re sharing proven...
Dec 04, 2024•14 min
Are you asking yourself, “𝗛𝗼𝘄 𝗗𝗼 𝗜 𝗞𝗻𝗼𝘄 𝗶𝗳 𝗜 𝗛𝗮𝘃𝗲 𝗘𝗻𝗼𝘂𝗴𝗵 𝘁𝗼 𝗥𝗲𝘁𝗶𝗿𝗲?” While studies show that a large majority of current retirees feel they have enough to live comfortably, other studies show that less than half of all pre-retirees feel they have enough. With so many viewpoints, Inflation, longer life spans, and unpredictable markets, determining if you have enough money to retire comfortably can feel overwhelming and confusing – and it differs for each person. So ...
Nov 27, 2024•12 min
Turning 65 comes with more than just a birthday cake and candles—it’s a major milestone in your healthcare journey. For many, it’s time to make one of the most important decisions of retirement – choosing your Medicare plan. But with so many options and fine print, where do you even begin? In today's podcast, 𝘄𝗲'𝗿𝗲 𝗯𝗿𝗲𝗮𝗸𝗶𝗻𝗴 𝗱𝗼𝘄𝗻 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗶𝗻 𝗿𝗲𝗮𝗹𝗹𝘆 𝘀𝗶𝗺𝗽𝗹𝗲 𝘁𝗲𝗿𝗺𝘀 𝗮𝗻𝗱 𝘀𝗵𝗼𝘄 𝘆𝗼𝘂 𝘁𝗵𝗮𝘁 𝗮𝘁 𝘁𝗵𝗲 𝗲𝗻𝗱 𝗼𝗳 𝘁𝗵𝗲 𝗱𝗮𝘆, 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗶𝘀 �...
Nov 20, 2024•13 min
The Year-End Tax Deadline just around the corner! If you’re nearing retirement or already in it, this is your last chance to lock in some crucial tax-saving moves before the year ends. Today, we’re covering several key strategies that can help you maximize your retirement accounts, avoid costly penalties, and make the most of your hard-earned savings. From Roth conversions to tax-loss harvesting, these are steps you need to act on now to keep Uncle Sam from taking a bigger bite out of your nest ...
Nov 13, 2024•19 min
With nearly 30 years in the retirement industry, I’ve navigated changing Social Security rules, fluctuating tax rates, economic ups and downs, elections, changes of power, and unexpected events like the pandemic. I’ve seen it all and have learned some key lessons along the way. With those in mind, I’ve crafted a list of the 10 essential things I think every future retiree needs to know in order to build a secure retirement—one that can weather both market volatility and shifting political landsc...
Nov 06, 2024•19 min
Whether you leave a job or are retiring, you'll need to decide what to do with your 401K. In this video, retirement expert Tom Mosley shares 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, have recently been laid off, or are even considering retirement, educate yourself on these 401(k)...
Oct 30, 2024•7 min
Are you thinking about moving out of California? Before making this major life change, it’s vital that you consider these 5 important costs and how they could impact your finances – especially retirement savings! In today’s video, Tom pulls from his 29 years of working with retirees and shares why people want to move, and more importantly provides an in-depth look at key financial factors you need to consider before making the move. If you found this video helpful, remember to like & subscri...
Oct 22, 2024•27 min
Are you on the brink of retirement or planning to retire soon? Beware of the three biggest mistakes that could derail your golden years! In today’s video, retirement expert Tom Mosley breaks down the most common traps retirees fall into – and how you can sidestep them with confidence. Don’t let poor planning or impulsive decisions jeopardize your financial freedom. 🌟 Here's What You'll Learn: •Mistake #1: Saving Too Little – Discover why it’s crucial to start saving early and the impact of even...
Oct 16, 2024•8 min
How in the world are you supposed save for retirement AND pay off debt?! It’s a balancing act that can feel extremely overwhelming, especially with market uncertainties, inflation, and rising costs. But here’s the truth, both goals are possible with the right strategy. Today, retirement expert Tom Mosley walks you through some practical steps you can take now so you can secure your future without sacrificing your present. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS...
Oct 09, 2024•20 min
One of the biggest issues you'll encounter in retirement is taxes! Ugh. While you can't escape taxes entirely, you can minimize your tax burden by understanding what taxes you'll encounter in retirement and the options you have to strategically manage them.🔍𝗝𝗼𝗶𝗻 𝗧𝗼𝗺 𝗶𝗻 𝘁𝗵𝗶𝘀 𝗲𝘆𝗲-𝗼𝗽𝗲𝗻𝗶𝗻𝗴 𝘀𝗲𝘀𝘀𝗶𝗼𝗻 𝗮𝘀 𝗵𝗲 𝘀𝗵𝗲𝗱𝘀 𝗹𝗶𝗴𝗵𝘁 𝗼𝗻 𝘁𝗵𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝘄𝗮𝘆𝘀 𝘆𝗼𝘂 𝗺𝗮𝘆 𝗯𝗲 𝘁𝗮𝘅𝗲𝗱. Learn how Employment, Social Security, and Medicare taxes can impact yo...
Oct 02, 2024•8 min
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 expert Tom Mosley explains RMDs and shares the top RMD mistakes people make. He also provides crucial tips on how to avoid them so you can protect your savings from costly errors and unnecessary taxes. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 RMDs: How to Avoid Common RMD Mista...
Sep 25, 2024•19 min
Are you ready for retirement, but unsure about all the hidden costs that might sneak up on you? In this video, “10 Hidden Costs in Retirement,” retirement expert Tom Mosley uncovers the often-overlooked expenses that could impact your financial future. From healthcare to taxes and more, knowing these hidden costs in retirement is key to protecting your savings and enjoying a stress-free retirement. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 10 Hidden Retirem...
Sep 18, 2024•13 min
Deciding when to claim 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 yo...
Sep 11, 2024•6 min
In today's unpredictable world, it's more important than ever to be prepared for retirement, especially with the current uncertainties weighing heavily on many minds. In this video, retirement expert Tom Mosley unpacks ten crucial steps that you can take to help safeguard your financial future. Tom discusses the importance of a diversified portfolio, strategies to manage debt, and why having an emergency fund is non-negotiable. He also dives into overlooked areas like healthcare costs and social...
Sep 04, 2024•19 min
In this heartfelt discussion, retirement expert Tom Mosley shares some honest reasons why many are choosing to retire earlier than planned. From prioritizing health and happiness while still vibrant, to escaping stressful corporate changes, this video delves into the key reasons driving early retirement. We also consider financial independence, the pursuit of long-held dreams, family obligations, and the desire to fully enjoy the early years of retirement—often referred to as the “go-go years.” ...
Aug 28, 2024•18 min
🚨 Laid Off in Your 60s? Here’s What to Do Next! 🚨 Life can throw unexpected curveballs and getting laid off in your 60s is one of them. But don’t panic! In this episode, retirement expert Tom Mosley dives into 5 crucial steps that will help you navigate this challenging time with confidence and clarity. Here’s what we cover: What to do the first 24 to 48 hours The first things you should assess Creating an immediate Needs Checklist Determining whether you go back to work or retire & the fi...
Aug 21, 2024•11 min
Are you thinking about retiring out of state? Before making this major life change, it’s crucial to understand the real costs involved and how they could impact your retirement savings. In today’s video, Tom pulls from his 29 years of working with retirees and provides an in-depth guide on the key factors you need to consider before making the move, including: Why People Relocate Comprehensive Cost Evaluation Tax Considerations Healthcare Costs Housing Market & Associated Costs Moving & ...
Aug 14, 2024•31 min
With the current market volatility shaking the US and stirring up panic, it's more important than ever to protect your retirement savings. In today’s video, retirement expert Tom Mosley provides a simple strategic approach that can help you safeguard your retirement nest egg during these turbulent times. Whether you're on the brink of retirement or already enjoying it, this timely approach can help you maintain financial stability and provide peace of mind as you weather the ups and downs of the...
Aug 07, 2024•8 min
Why do you need a budget in retirement? It's a common question. Maybe you’ve worked hard, built a nice nest egg, and don’t see the urgency in creating one, or perhaps you’re on a fixed income and the thought of budgeting feels overwhelming. In today’s video, retirement expert Tom Mosley breaks down why creating a budget is essential for a successful retirement plan. He’ll dive into the crucial components of a retirement budget, explaining why understanding these elements is key, no matter your f...
Jul 31, 2024•11 min
The fear of running out of money in retirement is the #1 concern for those 50 and older. With rising inflation, increasing taxes, and skyrocketing healthcare costs, it's no surprise that the future feels uncertain. But it doesn't have to be. 𝗜𝗻 𝘁𝗵𝗲 𝗳𝗶𝗻𝗮𝗹 𝘃𝗶𝗱𝗲𝗼 𝗼𝗳 𝗼𝘂𝗿 𝘀𝗲𝗿𝗶𝗲𝘀 (𝗽𝗮𝗿𝘁 𝟯), 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗲𝘅𝗽𝗲𝗿𝘁 𝗧𝗼𝗺 𝗠𝗼𝘀𝗹𝗲𝘆 𝗿𝗲𝘃𝗲𝗮𝗹𝘀 𝘁𝗵𝗲 𝗹𝗮𝘀𝘁 𝟯 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗶𝘁𝗲𝗺𝘀 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗯𝗲 𝗮𝘄𝗮𝗿𝗲 𝗼𝗳 𝗮𝘀 𝘆𝗼𝘂 𝗵𝗲𝗮𝗱 𝗶𝗻�...
Jul 24, 2024•9 min
Fear of running out of money in retirement is the #1 concern for those 50 and older. And it’s no wonder – with rising inflation, taxes, and skyrocketing healthcare costs, the future can feel uncertain. But it doesn't have to be. In part 2 of our video, retirement expert Tom Mosley unveils 3 more crucial items you need to be aware of along with some steps you can take to safeguard your retirement savings and ensure your money lasts as long as you do. These practical and actionable tips will help ...
Jul 17, 2024•9 min
Are you 55 or in your 50’s 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, debt concerns, and the reality that you could live up to another 40 years. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄!👇 TIMESTAMPS 00:00 Got a Million in Yo...
Jul 10, 2024•9 min
Fear of running out of money in retirement is the #1 concern for those 50 and older. And it’s no wonder – with rising inflation, taxes, and skyrocketing healthcare costs, the future can feel uncertain. But it doesn't have to be. In this video, retirement expert Tom Mosley unveils the first 5 of 10 crucial steps you need to take to safeguard your retirement savings and ensure your money lasts as long as you do. These practical and actionable tips will help you navigate the complexities of retirem...
Jul 03, 2024•11 min
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 reveals 5 basic but crucial steps you need to take now before you make the big transition. This is a great primer if you’re just starting to think about ...
Jun 26, 2024•8 min
If you are worried about running out of money during retirement, you are not alone. In fact, surveys show it’s the #1 fear of people 55 years of age and older. While there are things outside of your control that will impact your retirement, there are steps you can take now to protect yourself. Today, Tom shares two simple action items you can do now to get started. Additionally, he shares a simple case study to show you the steps one couple took to ensure their long term finances for their later...
Jun 19, 2024•10 min
The secret to building wealth and enjoying a comfortable retirement isn't about a single "get rich" scheme or investment. It's about making a series of smart decisions at every stage of life. In today’s video, Travis outlines the essential steps you can take at each key life stage to secure your financial future. Whether you're in your 20s just starting out or in your 60s planning for retirement, there are crucial money moves you can make today. In this video, we'll cover: The critical financial...
Jun 12, 2024•15 min
There has been a staggering 260% increase in scams targeting seniors over the last 5 years, and it's no wonder. With the advancements in artificial intelligence, these scams have grown more sophisticated and easier to implement, making it increasingly difficult for anyone, especially older adults, to discern what is real and what isn't. In today’s video, Tom delves into how adults aged 65 and over are being targeted. He provides a comprehensive overview of the biggest scams currently in circulat...
Jun 05, 2024•10 min•Ep. 106
Retirement is one of life’s biggest milestones, and while feeling mentally prepared is essential, ensuring you’re financially ready is crucial. In today’s video, Travis reveals the 8 key signs that indicate you’re ready to retire. Each point is carefully explained to help you understand its importance and provide actionable steps if you’re not quite there yet. Watch the video to see how many signs you can check off and get closer to your dream retirement! Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁...
May 29, 2024•11 min
While you can't control whether Social Security will run out of cash reserves by 2034, you can take proactive steps to prepare for potential cuts to your benefits and safeguard your retirement plans. In today's must-watch video, Tom unveils three critical strategies you can implement right now to shield yourself from the impact of reduced Social Security benefits should they happen. Discover how increasing your retirement accounts can fortify your financial future, learn effective ways to reduce...
May 22, 2024•10 min
Some say age isn’t anything but a number, but when it comes to retirement, your age is everything! In fact, knowing the essential 2024 retirement age milestones can help you make some of the most important financial decisions you make in life. In today’s video, Travis explains the top 7 retirement age milestones and the role each of them plays in your retirement. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇 TIMESTAMPS 00:00 Essential 2024 Retirement Age Milestones 00:30 Milest...
May 15, 2024•11 min
