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Retirement talk - Redefining Wealth and Your Money with Laura Stover is a podcast that educates, entertains, and helps prepare our listeners for retirement. It's a show designed for those looking to maximize their financial efficiency and fulfill their lifestyle. It is also geared toward those needing to transition from accumulation to preservation and the necessary shift in how money is managed. Based on Laura’s two decades of experience with financial coaching and consultation to hundreds ...
 
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What do your real estate holdings and life insurance have in common? More than you might think. What this article lacks in the way of substance, it overcomes with an interesting parallel. For many people, their main savings vehicle is their family home, which is real estate. For clients I work with insurance and real estate have been an intricate c…
 
When it comes to retirement income planning, many pre-retirees focus exclusively on “the number.” In other words, they obsess about exactly how much in assets they need to accumulate to avoid running out of money in retirement. Is it $1 million? $2 million or more? What might surprise you is that the number is not the most important factor involved…
 
Difficult times tend to bring the crucial element of the importance of a successful process to the forefront. I have friends across the country who are excellent financial planners. I also am acquainted with some of the most successful financial planners in the country. One of the factors that successful planners share is a well-defined planning pr…
 
A debate has played out in the media for years regarding President Donald Trump’s tax returns. While I can’t speculate about the particulars of his taxes, I do know one thing for certain: the IRS is pretty serious about tax evasion. If there any inkling of malfeasance arose in the course of an audit, these findings would eventually surface. I don’t…
 
When it comes to hiring a financial advisor, many investors focus on aspects such as performance, personal compatibility, or a personal connection. However, making a decision based on these or other considerations ignores the biggest issue that every investor should consider when hiring an advisor – whether that advisor has a fiduciary duty to thei…
 
The advent of COVID-19 abruptly changed the decision-making around retirement — at least as long as the pandemic lasts. While retirement is mainly a financial decision, it’s also a decision related to time and how you spend it. If you’re thinking about retiring soon, ask yourself: “What do I gain from retiring, and what do I lose from retiring?” In…
 
Regardless of which candidate is elected on November 3, it seems likely that there will be 401(k) plan winners and losers. While both candidates have promised simpler IRS rules, such an outcome is usually elusive as rules tend to get more complex, rather than less. This looks to be especially true if Biden is elected, in which case we are likely to…
 
As lifespans increase, more seniors are living longer in retirement. Most imagine spending that time traveling, pursuing hobbies and spending time with family. While many realize their health will decline, they aren’t setting funds aside to pay for the medications, rehabilitation and long-term care expenses that Medicare doesn’t cover. Not only tha…
 
Forbes Annuities can offer guaranteed lifetime income in retirement, protecting your income stream from market declines and the risk of outliving your savings. However, during the 10 year bull market that ended earlier this year, many near-retirees and retirees were reluctant to tie up their savings in an annuity due to the potentially higher retur…
 
The Wall Street Journal Article For the first time since World War II, the size of the U.S. debt load will reach or exceed the U.S. gross domestic product. The primary cause? Coronavirus spending, falling gross domestic product and a decline in tax revenue. Even without the pandemic, spending was projected to rise in the coming years due to the ret…
 
The Motley Fool https://www.fool.com/retirement/plans/401k/rule-of-55/ If you’re aiming for an early retirement, the Internal Revenue Service’s Rule of 55 can help you plan for that retirement in a proactive way. This rule permits withdrawals from your current — or most recent — 401(k) plan if you leave a job for any reason, including a layoff, qui…
 
There are two massive risks retirees will face. The first is tax rate risk, the risk that tax rates in the future will be dramatically higher. This seems likely with whomever is elected in 2020 especially with trillion- dollar stimulus packages and mounting national debt. The second is longevity risk, where you run out of money before you die. This…
 
If you’ve been concerned about tax increases in the future, it may happen sooner than you think. This year’s election is a pivotal one for a number of reasons, and one of those is taxes. If you are wondering what that might look like, then look no further. Obviously, a proposal this early in the game is subject to dramatic changes, but it does give…
 
The U.S. economy needs another new stimulus package because US jobless claims and U.S. retail sales confirm the economy is stalling. The IMF is warning about soaring US bankruptcies. Small and mid-sized business bankruptcies are likely to triple if the U.S. government does not provide support it. Basically, American consumers do not have the same c…
 
When you're preparing for retirement, it’s easy to over focus on the big question; “Do I Have Enough Money to Retire?” While that’s obviously an important question, there are many other bad moves that can derail a successful retirement. One of the biggest is the failure to create a written income plan, which describes where your income will come fr…
 
With the Coronavirus we saw many changes and laws passed to help the American people recover from the fastest economic shut down in history. Part of the provisions presented came from an IRS revision called the Coronavirus-Related Distribution (CRD). This is any distribution by a person diagnosed with Covid-19, and it can also include a spouse or d…
 
This week’s retirement reading is from Forbes, titled "4 Reasons Your Taxes In Retirement May Be Lower Than You Think." We will break down this article and provide some insight as this may not be entirely true. Find out some moves you could make to help you maximize your retirement on this week’s show. Link: https://www.forbes.com/sites/financialfi…
 
The Redefining Wealth Framework, offers something of a recipe to ensure nothing is overlooked with the implementation of a retirement strategy. Maybe you’ve covered your emergency fund, income strategy and growth strategy. But what happens if you have a major healthcare crisis requiring assistance and care or an extended stay costing ten thousand d…
 
We are currently facing unprecedented times as well as an event with the global pandemic caused by a novel coronavirus that began in March 2020. In just a matter of weeks, we went from business as usual to almost no business at all. Yes, stocks are "on sale" now, and for some investors, now is an ideal time to ramp up their portfolios. But for othe…
 
Coronavirus/COVID-19 has sent the market into its worst drop since 1987, with a lot of uncertainty and volatility in a short timeline. If you are an investor working with an advisor, your advisor should be working with you to adjust your investment plan. What about your 401k? What moves do you need to make right now? Many investors hold too much co…
 
Historically, the market’s reaction to fast-moving diseases has often been short-lived. On average (Since WWII), 5-10% declines happen once a year and 10%-20% declines happen every three years. With the market up over 40% from Christmas Eve 2018 to 2/19/2020, a sizable decline was not unexpected. However, human lives are at risk, so this is much mo…
 
While money itself is unbiased and unemotional, most of us come into adulthood with our own set of beliefs about the management and usage of money. We will examine the three keys areas to financial risk: financial independence, risk capacity, and bias tendencies. We will do a deep dive into the emotional and psychological reasons behind financial d…
 
The Financial Market has been at All Time Highs. But an area people do not plan for is legislative risk, tax risk, and income planning in retirement. Investing is not all about which stocks to pick. The Secure Act is the most significant legislation in recent years which was signed into law December 19th, 2019. How will it affect IRA’s and Retireme…
 
The Financial industry as a whole and Wall Street firms have failed many individuals and families. Our schools do not educate people with financial literacy, and most educated adults are still confused with the many nuances that exist in financial services. We believe you deserve the best information. Your best interest should be served. We are her…
 
On this episode of the Retirement talk podcast we will discuss Taxes and IRA’s. How could a tax rate increase of 10% lead to a tax payment increase of over 70%? That’s what we will explore today along with what is the most important line on your tax return. Resources: Math discussed in today's episode: To take a distribution of $3000/month, to allo…
 
There are three different types of financial advisors and levels of investment help. Do you know the difference between the 3? It's important to find an advisor with the right skillset for your unique needs as well as to ensure they service you in the way that you would like. How do you know which type is right for you? We believe you deserve advic…
 
Did the financial markets have your attention in August? We assume so. After all, there was an 800-point drop in the Dow. This was the worst day in the U.S. stock market this year. And while many investors missed it, the December 2018 plunge in stock prices capped off a 20% decline which started in October. That could have put a big divot in the pl…
 
Retirement Talk Redefining Wealth and your Money with Laura Stover, is a podcast that educates, entertains, and helps prepare our listeners for retirement. It's a show designed for those looking to maximize their financial efficiency and fulfill their lifestyle. If you want to stay current on relevant financial planning and retirement topics, this …
 
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