Rise in Retirement

Couple Retired at 68 with $1.05M But Here’s What They Overlooked | Rise in Retirement Ep. 48

Need help in retirement? Go here: https://www.RiseInRetirement.com [https://www.RiseInRetirement.com] Alan and Denise have $1.05M, no mortgage, and a 2.5% withdrawal rate. On paper, they should feel great. But too many voices—friends, videos, sales pitches—have them questioning everything. We reviewed their plan, and here’s what they were missing. DISCLAIMER: Great Lakes Retirement, Inc., operating under the DBA W.A. Smith Financial Group, is the sole SEC-Registered Investment Advisory firm. Investment Advisory Services are offered exclusively through Great Lakes Retirement, Inc. SEC registration does not imply an endorsement of the firm by the SEC, nor does it indicate a specific level of skill or qualification. Insurance and Tax Planning services offered through W.A. Smith Financial LLC. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. Form ADV Part 2A can be obtained by visiting https://adviserinfo.sec.gov [https://adviserinfo.sec.gov] and search for our firm name. ADV Form 2B is available upon request. Neither the information nor any opinion expressed is to be construed as solicitation to buy or sell a security or personalized investment, tax, or legal advice. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results. You can read more here: https://wasmithfinancial.com/disclosure/ [https://wasmithfinancial.com/disclosure/]

We Rejected His $620k Retirement Plan. Here's Why. | Rise in Retirement Ep. 47

Need help in retirement? Go here: www.RiseInRetirement.com [http://www.RiseInRetirement.com] Jason is 63 with $620,000 saved—and he’s done with the grind. But with no home equity and a $3,600 monthly gap, his withdrawal rate is 7%. Can he retire now—or is it time to delay? DISCLAIMER: Great Lakes Retirement, Inc., operating under the DBA W.A. Smith Financial Group, is the sole SEC-Registered Investment Advisory firm. Investment Advisory Services are offered exclusively through Great Lakes Retirement, Inc. SEC registration does not imply an endorsement of the firm by the SEC, nor does it indicate a specific level of skill or qualification. Insurance and Tax Planning services offered through W.A. Smith Financial LLC. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. Form ADV Part 2A can be obtained by visiting https://adviserinfo.sec.gov [https://adviserinfo.sec.gov] and search for our firm name. ADV Form 2B is available upon request. Neither the information nor any opinion expressed is to be construed as solicitation to buy or sell a security or personalized investment, tax, or legal advice. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results. You can read more here: https://wasmithfinancial.com/disclosure/ [https://wasmithfinancial.com/disclosure/]

She’s 68 With $750K But 1 Health Emergency Could Wipe Her Out. | Rise in Retirement Ep. 46

Need help in retirement? Go here: www.RiseInRetirement.com [http://www.RiseInRetirement.com] Susan is 68 with $750,000 saved—debt-free and living comfortably. But with no plan for long-term care or rising health costs, one medical emergency could flip everything. Can a good plan still fail if it’s missing just one piece? DISCLAIMER: Great Lakes Retirement, Inc., operating under the DBA W.A. Smith Financial Group, is the sole SEC-Registered Investment Advisory firm. Investment Advisory Services are offered exclusively through Great Lakes Retirement, Inc. SEC registration does not imply an endorsement of the firm by the SEC, nor does it indicate a specific level of skill or qualification. Insurance and Tax Planning services offered through W.A. Smith Financial LLC. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. Form ADV Part 2A can be obtained by visiting https://adviserinfo.sec.gov [https://adviserinfo.sec.gov] and search for our firm name. ADV Form 2B is available upon request. Neither the information nor any opinion expressed is to be construed as solicitation to buy or sell a security or personalized investment, tax, or legal advice. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results. You can read more here: https://wasmithfinancial.com/disclosure/ [https://wasmithfinancial.com/disclosure/]

They’re Retiring With $850K—But The Numbers Lied. Here's Why | Rise in Retirement Ep. 45

Need help in retirement? Go here: www.RiseInRetirement.com [http://www.RiseInRetirement.com] Rick and Laura are 65 and 62 with $850,000 saved—and their plan seems solid. But after taxes, their 5.1% withdrawal rate jumps closer to 6%. Can their strategy hold up, or is it time to rethink where the money comes from? DISCLAIMER: Great Lakes Retirement, Inc., operating under the DBA W.A. Smith Financial Group, is the sole SEC-Registered Investment Advisory firm. Investment Advisory Services are offered exclusively through Great Lakes Retirement, Inc. SEC registration does not imply an endorsement of the firm by the SEC, nor does it indicate a specific level of skill or qualification. Insurance and Tax Planning services offered through W.A. Smith Financial LLC. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. Form ADV Part 2A can be obtained by visiting https://adviserinfo.sec.gov [https://adviserinfo.sec.gov] and search for our firm name. ADV Form 2B is available upon request. Neither the information nor any opinion expressed is to be construed as solicitation to buy or sell a security or personalized investment, tax, or legal advice. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results. You can read more here: https://wasmithfinancial.com/disclosure/ [https://wasmithfinancial.com/disclosure/]

What Those “Beware of Annuities” Ads Never Tell You | Bonus Episode

Need help in retirement or want free resources? Go here: www.RiseInRetirement.com [http://www.RiseInRetirement.com] Annuities are one of the most controversial tools in retirement planning. But most of the loudest voices—on both sides—are selling fear, not clarity. In this bonus episode, we cut through the noise and explain when annuities actually make sense. Connect With Us: Facebook: https://www.facebook.com/wasmithfingroup [https://www.facebook.com/wasmithfingroup] TikTok: https://www.tiktok.com/@wasmithfingroup [https://www.tiktok.com/@wasmithfingroup] #retirementplanning #financialsecurity #retirementincome #socialsecurity #healthcarecosts #financialplanning #3bucketstrategy DISCLAIMER: Great Lakes Retirement, Inc., operating under the DBA W.A. Smith Financial Group, is the sole SEC-Registered Investment Advisory firm. Investment Advisory Services are offered exclusively through Great Lakes Retirement, Inc. SEC registration does not imply an endorsement of the firm by the SEC, nor does it indicate a specific level of skill or qualification. Insurance and Tax Planning services offered through W.A. Smith Financial LLC. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. Form ADV Part 2A can be obtained by visiting https://adviserinfo.sec.gov [https://adviserinfo.sec.gov] and search for our firm name. ADV Form 2B is available upon request. Neither the information nor any opinion expressed is to be construed as solicitation to buy or sell a security or personalized investment, tax, or legal advice. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results. You can read more here: https://wasmithfinancial.com/disclosure/ [https://wasmithfinancial.com/disclosure/]