Episode 167: "The Retirement Risks Nobody's Talking About"

Episode 167: "The Retirement Risks Nobody's Talking About"

Risk is hiding in all sorts of areas of your retirement. In this episode, we break down what risk really means in retirement, why it matters more than most people realize, and how to approach it strategically. We'll cover when it makes sense to take risks, how to do it wisely, where it hides in places you might not expect, and who can help you make confident, informed decisions. Whether you're still planning or already living in retirement, understanding these hidden dangers could have a big impact on the decisions you make moving forward. Ready to plan your retirement? Do you have specific questions for Travis and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ [https://mosleywealthmanagement.com/contact/] #RetirementRisk #RetirementPlanning #InvestingRisk #RetirementIncome #RetirementMistakes =================================================== 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 [https://www.facebook.com/mosleyeaseintoretirement] - Instagram: https://www.instagram.com/easeintoretirement/ [https://www.instagram.com/easeintoretirement/] - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management [https://www.linkedin.com/company/mosley-wealth-management]   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. For more information go to: www.mosleywealthmanagement.com

Episode 166: "The Silent Retirement Killer Nobody's Talking About (It's not the stock market)"

Most people spend years worrying about market crashes, bad investments, and running out of money too soon. But there's a quieter, slower threat that's been eroding your financial future the entire time and most people don't see it coming until it's too late. It's inflation. And if you're 50 or older, it could be one of the biggest risks to the retirement you've been planning for. In this episode, Travis Hawley breaks down: •    What inflation is and why it matters more than most people realize •    How rising prices are already affecting your day-to-day cash flow •    Why your retirement savings may not stretch as far as you think •    What you can do now to protect your purchasing power & future Inflation doesn't send a warning. It doesn't make headlines in your personal life. It just quietly reduces what your money can do, year after year, until the retirement you planned for looks very different from the one you're living. If you're serious about protecting your financial future, this is a conversation you can't afford to miss. Ready to plan your retirement? Do you have specific questions for Travis and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  #Inflation #RetirementPlanning #COLA #RetirementIncome =================================================== 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 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. For more information go to: www.mosleywealthmanagement.com

Episode 165: "The Taxes Hiding in Your IRA (And How to Manage Them Before it's Too Late)"

Most retirees are blindsided by Required Minimum Distributions, and the taxes they can cause if you're not prepared. In this video, we break down the RMD Tax Domino Effect: how a single mandatory withdrawal can trigger a chain reaction that pushes you into a higher tax bracket, causes more of your Social Security to become taxable, triggers Medicare IRMAA surcharges, and drains your IRA. We walk through a real-world scenario so you can see exactly how this plays out, and more importantly, we cover the tax planning strategies smart retirees use to minimize the damage and protect their retirement income. Chapters 00:00 Intro 00:57 RMDs overview 01:35 RMD Ages 02:10 Required RMD Distribution Amounts 03:50 How RMDs Create a Costly Tax Domino Effect 06:00 Sample Scenario of RMD Impact 10:55 Tax Planning Strategies 14:48 Common RMD Mistakes 🔑 Key Topics Discussed: ✅ What are Required Minimum Distributions (RMDs)? ✅ RMD age requirements under SECURE 2.0 ✅ How RMD amounts are calculated ✅ How RMDs push retirees into higher tax brackets ✅ How RMDs cause Social Security benefits to become taxable ✅ Medicare IRMAA surcharges triggered by RMD income ✅ Roth conversions ✅ Qualified Charitable Distributions (QCDs)✅ Common RMD mistakes and how to avoid them Ready to plan your retirement? Do you have specific questions for Travis and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  #RMDs #RetirementPlanning #IRA #TaxStrategy #RetirementIncome =================================================== 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 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. For more information go to: www.mosleywealthmanagement.com

Episode 164: "Don't Retire Until You've Answered These 7 Questions"

Most people spend decades building their retirement savings, but almost no one spends time preparing for what retirement actually feels like once they get there. That's why so many retirees find themselves feeling lost, bored, or even regretful just months after leaving work… Not because they ran out of money, but because they never figured out how they wanted to LIVE. In this episode, I walk you through 7 essential non-financial questions every pre-retiree needs to ask before making the leap. If you're within 5 years of retirement, this episode could be the most important one you listen to this year. Chapters 00:00 Intro 01:35 Question #1 02:24 Question #2 04:50 Question #3 05:25 Question #4 07:00 Question #5 08:20 Question #6 10:10 Question #7 Ready to plan your retirement? Do you have specific questions for Travis 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 #retirement planning #market volatility #investing mistakes #volatile markets #retirement investing #stock market crash #how to handle market volatility #retirement strategy #financial planning for retirement #pre-retirement planning #portfolio management #market crash 2025 #ease into retirement #retirement income #financial mistakes to avoid #emotional investing #timing the market #retirement tips #risk management #retirement security 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. For more information go to: www.mosleywealthmanagement.com

Episode 163: "Why Most People Lose Money in Volatile Markets (It's Not What You Think)"

Market volatility is uncomfortable but it's not the real threat to your retirement. The real threat is how you react to it. In this episode, we break down the 3 biggest mistakes retirees and pre-retirees make when markets get rocky, and more importantly, how to avoid them. You'll also learn how an E.A.S.E. Into Retirement framework can help you stay grounded, strategic, and confident, no matter what the market is doing. If your retirement strategy isn't built to handle volatility, it might be time for a second look. Chapters 00:00 Intro 01:01 Mistake #1 04:44 Mistake #2 08:17 Mistake #3 11:45 E.A.S.E. into Retirement Framework Ready to plan your retirement? Do you have specific questions for Travis 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 #retirement planning #market volatility #investing mistakes #volatile markets #retirement investing #stock market crash #how to handle market volatility #retirement strategy #financial planning for retirement #pre-retirement planning #portfolio management #market crash 2025 #ease into retirement #retirement income #financial mistakes to avoid #emotional investing #timing the market #retirement tips #risk management #retirement security 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. For more information go to: www.mosleywealthmanagement.com