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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: February, 2024
Feb 26, 2024

You’ve heard of the 4% rule, and if you’ve listened to this podcast before, you’ve heard of Guyton’s guardrails strategy. But have you ever heard of using them together? Today’s retirement headline explores this idea. 

Overall, the article highlights the importance of considering sequence-of-returns risk in retirement planning and adopting flexible strategies, such as guardrails, to ensure financial security throughout retirement.

Listen in to learn more about this combination of strategies as well as my opinion on the matter. Then stick around for the listener question segment where Bret and I answer the question: Do I need a will if I want to split my assets evenly between my two children?

Outline of This Episode

  • [1:42] Sequence of returns risk is the greatest risk to your retirement
  • [6:48] How you can take the best of both strategies
  • [14:20] Should I have a will to split my assets evenly between my kids?

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Feb 19, 2024

Is it possible to suddenly step away from a high-powered job and into a life of leisure? This may not be the best idea for your retirement if you work at the executive level. 

In this episode of Retirement Starts Today, we’ll explore an article from Harvard Business Review that outlines several pitfalls that could come with retiring from a high-powered job and insights on how to navigate them. 

Stick around for the listener question segment to hear the best ways to give money to your adult children while you are still living rather than waiting until you pass away to leave an inheritance. 

Outline of This Episode

  • [1:42] Advice for a CEO about to retire
  • [3:36] Areas to think about when making the retirement transition
  • [12:54] Advice on giving money to adult children while you’re still living

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Feb 12, 2024

There are two ways to mess up retirement: run out of money or die with regret. Oftentimes, people in the retirement space only focus on the running out of money part. 

In an effort to help you live an even better retirement, today’s retirement headline discusses the regret part. Join me to learn five expenses that retirees wish they had spent more money on so that you can learn from their mistakes.

Stick around to hear the answer to our listener question: Is there one person who can help develop a comprehensive retirement plan? Or do you need to have an investment advisor, a financial advisor, a tax advisor, and an estate planning attorney? Find out the answer by pressing play.

Outline of This Episode

  • [1:42] The 2 ways to mess up retirement
  • [8:12] Investing in your home
  • [10:00] Helping your children
  • [14:38] Is there one person that can do all my retirement planning?

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Feb 5, 2024

If you want to spend more money in retirement you’ll want to understand how to maximize your Social Security benefits. Many people think that there is no going back once you’ve decided to collect your Social Security benefits. However, today’s retirement headline discusses two options in case you’d like a do-over. 

In our listener question segment, one listener asks the best way to pass on their assets to their children. Listen in to hear the answer and scroll to the bottom of the show notes to discover more estate planning resources.

Outline of This Episode

  • [2:02] What happens if you change your mind about collecting Social Security?
  • [7:01] When exactly should you start Social Security?
  • [10:50] The best way to pass assets onto your kids

Resources & People Mentioned

Connect with Benjamin Brandt

Subscribe to Retirement Starts Today on

Apple Podcasts,Stitcher,TuneIn,Podbean,Player FM,iHeart, orSpotify

 

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