Episode 137: "5 National Park Rules That Will Save Your Retirement"

Episode 137: "5 National Park Rules That Will Save Your Retirement"

What does planning a trip to a National Park have to do with planning your retirement? More than you'd think! In this episode, we break down 5 simple rules every National Park visitor knows and show you exactly how they apply to building a retirement that actually works. From why you need a map before you start the trip, to why "packing light" might be the smartest financial advice to consider, this episode reframes retirement planning in a way that's practical, memorable, and (dare we say) fun. We'll also cover some of the easiest, and most common ways people accidentally sabotage their own retirement, from treating it like a finish line instead of a fresh start, to investing like they're still decades away from retiring. And we'll bust a few "retirement lies" that sound reasonable on the surface but can quietly disrupt your plans. Whether you're a few years out from retirement or already living it, this episode will help you think about the road ahead with a little more clarity and a lot less stress. Chapters 00:00 Intro Retirement Planning is like visiting National Parks 02:10 You need a map 06:00 Don’t leave a mess 08:25 Taking the scenic route 10:15 Pack light 11:55 Every park is different Easy Ways to Ruin Retirement 14:53 Looking at retirement as an end & not a beginning 21:15 Assuming your spending won’t change 23:30 Stop moving and socializing 25:35 Investing like your 35 and not 65 Retirement Lies 28:30 Current lies in today’s market 31:30 “A loss on paper… the market always bounces back” 35:25 “You can beat the market” Listener Questions 40:00 Offered a buyout on pension – what should I know? 44:45 What’s a reasonable rate of return on investments? Ready to plan your retirement? Do you 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    #RetirementFreedom #RetirementJourney #NationalParks #RetirementBlueprint #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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. For more information, visit: www.mosleywealthmanagement.com

Episode 136: "6 Kinds of Freedoms You Need Before You Retire"

Retirement isn't just about having enough money - it's about having enough freedom. In this episode, we're pulling apart what "independence" really means once you retire. It's easy to picture financial freedom as just a number in your account, but true independence in retirement touches nearly every part of your life – and some of it might surprise you. We're also breaking down a critical mistake many retirees make when reacting to market downturns, and why hindsight can be your biggest enemy when it comes to protecting your nest egg. If you're nearing retirement or already there and want to make sure you're building a plan that gives you real freedom, not just a bigger balance, this episode is for you. Chapters 00:00 Intro Lessons Learned from the Independence Holidays 03:23 Hot Dogs reflect a retirement standard 06:04 Fireworks and the market 08:13 Parades = Community/family 11:15 Freedom Independence in Retirement 14:45 Independence from the Government 18:40 Independence from family 20:00 Independence from creditors 22:00 Independence from the market 24:30 Independence from work 26:10 Independence from worry Are You Acting on Hindsight 28:30 Market downturn 34:17 Risk Listener Questions 39:20 What is an actual emergency fund?  43:14 What happens to your 401K when you leave work? 45:50 Gray divorce & retirement Ready to plan your retirement? Do you 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 #RetirementFreedom  #RetirementIndependence #RetirementBlueprint #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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. For more information, visit: www.mosleywealthmanagement.com

Episode 135: "Not in Kansas Anymore: Classic Movie Lessons for Pre-Retirees"

Toto, I've got a feeling this episode is different. We're pairing two of America's favorite pastimes, classic movies and money, to bring you wisdom that sticks. First, we dig into financial lessons hiding in iconic movie lines, from Terminator's "I'll be back" to The Wizard of Oz's "We're not in Kansas anymore." Turns out Hollywood has been quietly teaching us about money all along. Then we shift gears to the real world: the five most common mistakes pre-retirees make, from investing too aggressively to skipping a Social Security strategy, and more. Whether you're a movie buff, a soon-to-be retiree, or both, this episode has something for you. Chapters 00:00 Intro Financial Wisdom from Classic Movies 02:04 “I’ll be back” 05:50 “I’ll have what she’s having” 09:15 “I have a feeling we’re not in Kansas anymore” Mistakes Pre-Retirees Make 14:25 Investing too aggressively 18:40 No Social Security strategy 21:00 Tax Prep vs Tax Planning 23:05 Assuming Health Care is covered by Medicare 23:55 Taking Risk to Make Up for Lost Time Estate Planning 30:00 There is a Risk in Living a Long Time 36:00 Addressing Income in Retirement Listener Questions 39:00 Should I purchase or rent a 2nd home out-of-state in retirement? 43:45 How to set up spousal benefits in retirement 47:15 How do I know if I’m knowledgeable enough on retirement issues Ready to plan your retirement? Do you 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 #RetirementPlanning #RetirementRisks #RetirementBlueprint #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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. For more information, visit: www.mosleywealthmanagement.com

Episode 134: "Maverick Moves & Money: Building a Retirement Plan That Lasts"

Top Gun just turned 40, and it's full of surprising money lessons. In today’s show Tom & Marc kick things off with some surprising money lessons from the movie, then shift gears to show you how building a solid financial plan is a lot like building a house. We wrap up the show with a deep dive into guaranteed income, where it comes from, the choices you'll face along the way, and why planning for inflation is non-negotiable if you want that income to last. Whether you're just starting to think about retirement or fine-tuning a plan you've already built, this episode has something for you. Buckle up. Chapters 00:00 Intro Financial Advice from Top Gun 02:45 Feeling the need for speed 07:15 Your ego is writing checks your body can’t cash 11:00 Highway to the danger zone Building a Retirement House 15:35 The foundation: Income  22:15 The walls: Investments & Taxes 23:30 The roof: Insurance & Health planning 25:30 Final touches: Legacy planning Guaranteed Income 28:15 Where it comes from 31:45 Choices on pensions 33:50 Planning for inflation Listener Questions 39:00 How to simplify accounts? 43:55 Investing in international markets? 46:30 51 & empty nester, can I go back to school & take out loans? Ready to plan your retirement? Do you 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 #TopGun #Maverick #RetirementPlanning #RetirementRisks #RetirementBlueprint #Social Security #GuarnateedIncome #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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. For more information, visit: www.mosleywealthmanagement.com

Episode 133: What Every Woman Should Know About Her Retirement & Home Before It's Too Late"

No matter where you are in life, building your career, raising a family, or approaching retirement, the financial decisions you make today will shape the life you live tomorrow. In this episode, we're covering some of the most important things women need to hear about retirement and real estate, and why waiting too long to plan could cost you more than you think. We kick things off by breaking down how financial risk shifts at every stage of life, from your 30s and 40s all the way into your 50s and 60s and what that means for how you should be investing and planning right now. Then, we dive deep into retirement planning for women, because the truth is, women face unique challenges that most financial conversations simply ignore. We talk about why women need to be even more intentional about retirement, and we have an honest conversation about the financial realities widows often face and how to prepare. We close out with one of our favorite topics, your home. Should you pay it off early if you have a low interest rate? Is tapping into your home equity ever a smart move? And what's the real story behind reverse mortgages? We cover those topics and more, so tune in! Chapters 00:00 Intro The Seasons of Risk 05:10 Risk in your 30s & 40s 08:00 Risk in your 50s & 60s Retirement Planning for Women 15:40 Why retirement planning is more important for women 21:25 The challenges that face widows On the House 28:32 Should I pay off my house with a small interest rate? 34:12 Should I pull money from home equity to pay for other things? 37:00 Reverse mortgages  Listener Questions 41:15 When do I start over with my retirement plan 44:25 Remarried with an older man & retirement plans Ready to plan your retirement? Do you 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 #RetirementPlanning #RetirementRisks #RetirementBlueprint #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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. For more information, visit: www.mosleywealthmanagement.com