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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, 2023
Oct 30, 2023

What happens if you get to retirement age and realize that you saved too much? Believe it or not, this does happen and has its own set of problems. In this episode, we’ll explore those problems along with some potential solutions. 

Stick around until the end of the episode to hear our listener question about deciding whether to do Roth conversions or take ACA health insurance premium tax credits. 

Outline of This Episode

  • [2:32] Too much retirement savings does have its downsides
  • [4:54] What you can do to combat
  • [8:21] My thoughts on what you can do if you saved too much
  • [11:27] Choosing between Roth conversions and ACA

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Oct 23, 2023

Would you like to make $170,000? On this episode, you’ll learn what you can do to save yourself 17% in lower returns over a decade. On a million-dollar portfolio that comes to $170,000!

In the Retirement Headline segment, we’ll dive into an article from Financial Advisor Magazine which explores Morningstar’s annual Mind the Gap study analyzing the performance of mutual and ETFs and comparing them to the returns achieved by individual investors. Press play to hear what you can do to improve your investor performance.

Outline of This Episode

  • [3:12] Bad timing cost investors 17% in gains
  • [14:45] When does a person need a financial advisor?

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Oct 16, 2023

Have you thought about using your home’s equity to help you fund a portion of your retirement? 

In this episode of Retirement Starts Today, we’ll explore a Morningstar article that examines ways to use this supersized emergency fund. If you are ready to start thinking about retirement outside the box, listen to this episode to hear how you can supplement your retirement by using your home equity. 

Outline of This Episode

  • [1:22] Home equity is seen as a someday asset
  • [9:28] Reverse mortgages could be a valuable lifeline
  • [14:10] Clarifying the rules surrounding spousal Social Security

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Oct 9, 2023

Do you remember when you were a kid and were fascinated by the thought of living to be 100? It seemed like such a far-fetched idea, but now with advances in technology, nutrition, and medicine, this far-flung notion increasingly seems like a real possibility.

As you may have guessed, today’s retirement headline discusses planning to live until age 100. We’ll explore what that prospect means for your retirement income, goals, and health. Share this episode with a friend so you can discuss it together!

Outline of This Episode

  • [2:42] What if you live to 100?
  • [12:40] How to get beyond the accumulation mindset

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Oct 2, 2023

Medicare’s open enrollment is starting soon, so I’ve invited Danielle Roberts from Boomer Benefits to join me today. 

In this episode, we’re discussing what’s new with Medicare in 2024, the important dates to remember for open enrollment, when to reevaluate your health insurance options, and how to ensure you have health coverage when traveling abroad in retirement.

Press play to hear what’s new in Medicare.

Outline of This Episode

  • [2:26] What’s new with Medicare this year?
  • [8:44] How often do people reconsider advantage vs. supplement and drug plans?
  • [15:42] Bearing risk
  • [22:00] What can you expect from your Medicare when traveling abroad?

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