Episode 130: "Your Emotions Are the Biggest Threat to Your Retirement"

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

Episode 132: "Are You Retirement Ready? Common Mistakes & Terms You Must Know Before You Retire"

Retirement is closer than you think, but are you truly prepared? In this episode, we cut to the chase and give you the straight talk on what most people get wrong as they head into retirement. We start by uncovering some of the most common and costly mistakes people make right before retiring, from underestimating the risk in bonds, to skipping long-term care planning. Then we tackle the retirement terms that confuse almost everyone. What's the real difference between a ROTH contribution and a ROTH conversion? Term life vs. whole life? Fixed vs. variable annuities? Traditional IRA vs. ROTH IRA? We explain it all in plain language - no jargon, no fluff. Whether you're 5 years out or already stepping into retirement, this episode will give you additional knowledge you need to make smarter, more confident decisions about your financial future. Chapters 00:00 Intro Common Mistakes People Make as They Near Retirement 03:00 Thinking bonds have no risk 04:50 Not having a long-term care plan 09:50 Not protecting yourself from too much risk 11:30 Assuming a product may or may not be good for you. Confusion on Retirement Terms 14:45 ROTH contribution vs. ROTH conversion 20:30 Term Life vs Whole Life 22:30 Variable vs. Fixed Annuities 27:25 Traditional IRA vs. ROTH IRA 34:45 Optimal ROTH windows Listener Questions 39:15 61& being offered a pension buyout 44:20 What’s a responsible investment return amount? 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 131: "What's Standing Between You and a Great Retirement? YOU."

The market. The news. The economy. It's easy to point fingers at everything happening out there, but what if the biggest obstacle standing between you and a great retirement is the story you're telling yourself? "I'm not good at saving." "The market is about to tank." "It's too late for me." Those stories are costing you more than you realize. This week we get honest about the power your mindset has over your financial future and how shifting the way you think can put you on an entirely different path. We also get practical, breaking down exactly what you should be doing right now to prepare for a market downturn, like assessing your risk, taking some of your winnings off the table while times are good, and making sure your portfolio is truly diversified. And we close things out with some wisdom from one of the greatest dreamers who ever lived, Walt Disney. Because it turns out, the principles behind building an empire aren't that different from building a retirement. Work should eventually stop being about money. And the difference between winning and losing? Simple. You don't give up. Your retirement is waiting. The only question is, are you going to get out of your own way? 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/ [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 [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] #RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketCrash #WaltDisney #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy   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, visit: www.mosleywealthmanagement.com

Episode 130: "Your Emotions Are the Biggest Threat to Your Retirement"

What if the biggest risk to your retirement isn't the market - it's YOU? This week we're unpacking the emotional side of money. Using the lens of Disneyland's most iconic rides, we walk through how the highs and lows of investing feel a lot like a theme park and why letting those feelings drive your decisions can cost you big. 🎢 We get real about how the media is designed to trigger your emotions, why you're probably not as risk tolerant as you think you are, and how fear and overconfidence quietly wreak havoc on retirement portfolios every single day. Then we shift to the tax mistakes that catch retirees off guard, from RMD missteps to Roth conversion blunders, and take on real listener questions about downsizing, job loss near retirement, and whether spreading money across multiple banks actually makes sense. Your retirement deserves more than a gut reaction. Buckle up, stay seated, and let's take the ride together. 🎡 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 #FearinRetirement #RetirementBlueprint #MarketRisk #TaxPlanning #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy 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, visit: www.mosleywealthmanagement.com

Episode 129: "Are You falling for These Retirement Money Traps?"

Not every popular financial strategy is the right one, especially as you approach or enter retirement. In this episode, we break down which commonly recommended financial moves may be overrated for retirees, and which ones often fly under the radar but deserve a much closer look. In this episode, we cover: 🔹 Overrated Financial Moves 🔹 Underrated Financial 🔹 Roth Conversions  🔹 Listener Q&A  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 #TaxPlanning #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy 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, visit: www.mosleywealthmanagement.com