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Retirement Starts Today

Do you want to spend more money in retirement, while paying less taxes? Great news, you're in the right place! I'll also teach you the benefits of retiring TO something, while most retirees only solve half the equation by retiring FROM something. Tune in every Monday morning - hosted by Benjamin Brandt CFP, RICP. Join my "Every Day is Saturday" weekly newsletter for show notes, free book giveaways and other great retirement content: www.retirementstartstodayradio.com/newsletter
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Now displaying: October, 2022
Oct 31, 2022

There’s big news in the world of retirement. The news is so big that we have 2 articles from mainstream media sources to check out in this week’s retirement headlines segment. If you’ve been wondering how inflation will affect Social Security benefits you won’t want to miss out on this episode. 

Stick around for the listener questions segment to hear how to transition from biweekly paychecks to monthly portfolio withdrawals in retirement. This transition is trickier than you might think, so you won’t want to miss my tips for making the adjustment.

Outline of This Episode

  • [2:02] The average Social Security beneficiary will increase by $140 per month
  • [4:52] What is COLA?
  • [9:20] Will you get the increase if you delay filing for Social Security?
  • [10:21] How to manage a monthly payday
  • [13:54] How to get extra credit from your portfolio

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Oct 24, 2022

Have you been wondering if the 4% rule still applies with a bear market and high inflation? Many financial pundits may have you questioning the validity of this so-called retirement rule of thumb. 

In the retirement headlines segment, I share a recent article from Financial Advisor Magazine that highlights quotes from the creator of the 4% rule, William P. Bengen. After sharing the retirement headline, I’ll chime in with my own thoughts on the validity of the rule. 

Stick around until the end of the episode to hear whether Social Security benefits increase each month that you delay filing until age 70 or each year. 

Outline of This Episode

  • [1:52] William Bengen doesn’t believe that it is necessary to adjust spending to 3%
  • [5:24] Where the 4% rule is helpful
  • [9:20] Do Social Security benefits increase each month you delay filing until age 70, or each year?

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Oct 17, 2022

Have you ever thought about purchasing stocks for purpose of generating dividend income? If that is part of your retirement plan, then you won’t want to miss this episode. Today we’re taking a look at a retirement headline from MarketWatch that highlights three considerations to be aware of before jumping into this strategy. 

Stick around for the listener questions segment to hear the answer to Jerry’s question about increasing his retirement spending until it’s time to collect Social Security.

Outline of This Episode

  • [1:22] 3 tips for buying stocks to produce dividends in retirement
  • [5:01] Use a Swiss Army Knife portfolio
  • [7:25] On increasing retirement spending before Social Security

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Oct 10, 2022

Why don’t more people maximize their Social Security benefits? As a financial advisor, I often wonder at the surprisingly low percentage of people who choose not to optimize their Social Security benefit. 

Today’s retirement headline dives into that question in further detail by analyzing a study with plenty of data. Listen in to learn when many people choose to take Social Security and their reasons for making their decision. 

Outline of This Episode

  • [1:42] When people plan to take Social Security and why
  • [7:26] 55% didn‘t think they would be able to replace three-quarters of their last paycheck amount in retirement income
  • [10:40] How should a new retiree fill their cash reserve bucket when stocks and bonds are down?

If you know someone who could benefit from the information we cover in this show, share it with them. You may end up encouraging them to consider retirement planning in a new way and improving their life.

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Oct 3, 2022

Envisioning what your retirement will look like can often be a challenge, so it may be helpful to hear some examples of people in similar situations. In this week’s retirement headlines segment, we’ll explore a WSJ article from Veronica Dagher and Anne Tergesen that interviews 4 retirees who saved enough for a comfortable retirement. Listen in to hear how they spend their time and money. 

Make sure to stick around until the end to hear the answer to Donna’s question about changing her husband’s variable annuity to a less expensive option. 

Outline of This Episode

  • [2:02] What a $2 million retirement looks like in America
  • [12:45] How to move a variable annuity to a less expensive option

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