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Retirement Answers Today is your go-to podcast for clear, actionable guidance to build your dream retirement. Hosted by experienced Dave Ramsey SmartVestor Pros, each episode simplifies the complexities of retirement planning and wealth management, giving you strategies you can confidently implement today. Whether you’re nearing retirement or already there, we’ll cover crucial topics such as creating sustainable retirement income, managing taxes strategically, making smart investment decisions, maximizing your Social Security benefits, and much more. Our goal is simple: help you achieve financial clarity and peace of mind, so you can spend retirement focused on what truly matters. Tune in weekly to get straightforward advice, timely insights, and practical answers to your biggest retirement questions. It’s time to secure your financial future—start listening to Retirement Answers Today and make informed decisions that help you retire with confidence.
Episodes
Monday Jul 18, 2022
Monday Jul 18, 2022
On this weeks retirement podcast, Financial Advisors Jim Martin and Justin Swisher, discuss a hypothetical scenario on a 62 year old that has saved $750,000. The run a live financial plan to see if they can retire. You can also view this on YourTube at the address below:
Watch on YouTube: https://youtu.be/kvzyUZbD9zU
Visit our website at: www.retirementanswerstoday.com
Monday Jul 11, 2022
Monday Jul 11, 2022
On this weeks retirement podcast, Financial Advisor Jim Martin, discusses how much money investors and retirees should keep in cash and the importance of retirement planning.
Visit our website at: www.retirementanswerstoday.com
Monday Jul 04, 2022
Monday Jul 04, 2022
On this weeks retirement podcast, Financial Advisor's Jim Martin and Justin Swisher, discuss how to get started investing and saving for retirement. If you are a fan of Dave Ramsey you'll notice we cover many of his baby steps.
Visit our website at: www.retirementanswerstoday.com
Monday Jun 27, 2022
Monday Jun 27, 2022
On this weeks retirement podcast, Financial Advisor Jim Martin, talks about dividend investing and if it might be right for you. Are they a good source of retirement income and how do they work.
Visit our website at: www.retirementanswerstoday.com
Monday Jun 20, 2022
Monday Jun 20, 2022
On this weeks retirement podcast, Financial Advisor's Jim Martin and Sam Benson, discuss how investors should react when the market declines and what steps they can take to stay on track and reach their goals.
Visit our website at: www.retirementanswerstoday.com
Monday Jun 13, 2022
Monday Jun 13, 2022
On this weeks retirement podcast, Financial Advisor Jim Martin, discusses what retirees, investors, and pre-retirees should do to get ready if / when taxes rise. If you have concerns about rising taxes, this retirement planning episode is for you.
Visit our website at: www.retirementanswerstoday.com
Monday Jun 06, 2022
Monday Jun 06, 2022
On this weeks retirement podcast, Financial Advisor Jim Martin, discusses if investors should invest while the market is going down? Should investors roll over their 401k or wait for a better time? Visit our website at: www.retirementanswerstoday.com
Monday Sep 14, 2020
Monday Sep 14, 2020
What should you do with that old retirement plan you forgot you had or from that job you just left? Should you use it to pay off bills? Leave it alone? Do you have to listen to that letter telling you to move your account if you stop contributing to it?
In today’s episode we’re talking about options for those old retirement accounts that you may have forgotten about or you’re just not sure what to do with them. I share 4 options you can handle this with, including leaving it where it is, rolling it over to a new/existing 401k, transferring it to a traditional or ROTH IRA, and using it to pay things off. I dive into each option into these options providing some of the positives of doing this. As always make sure you’re discussing your choices with a CPA, attorney, or financial adviser.
[2:00] Option A: Leave it alone
[3:25] Option B: Roll it over to another 401k
[4:00] Option C: Roll it over to an IRA
[4:21] Option D: Spend it/Pay off things
[4:40] Option A’s Pros and Cons
[6:53] Option B’s Pros and Cons
[9:21] Option C’s Pros and Cons
[13:25] Option D’s Pros and Cons
Monday Sep 07, 2020
Monday Sep 07, 2020
How do You Work and be Retired at the Same Time
There are a lot of people who want to retire after 20, 30, or 40 years of being at a particular job want to retire, take a step back, and start a job with a lot less stress, that they enjoy, or a job with less hours. Sound insane? Well not so much. This is a goal for a lot of people these days. So how do you do that? How do we retire and continue to work?
In this episode, I share the key points of retiring and continuing to work. Maybe you want to still continue to keep your mind busy but without the added stress and physicality of working 40+ hours a week. Staying “plugged in” may be a key factor to life that you wish to continue to work, but perhaps with a little less commitment. There are others that really get a kick out of staying in a particular field that has defined you for so long. Perhaps you didn’t save enough money or want a certain lifestyle that requires some additional cash. But, for others, there is just no reason why they want to relax. They want to keep grinding and stay with it for as long as they can.
While there are many reasons to retire and keep on working, there are many things that need to be considered with and without your financial adviser prior to leaving your job for a part timer down at your local grocery store. I mean, does that even sound like something you’d want to do? In today’s episode we are going to talk about the things you should be thinking about when planning to retire and go back to work.
Episode Outline
[3:00] Hybrid Retirement
[3:30] Reasons to Keep Working
[6:30] Retirement Planning while Staying Engaged
[7:35] Retirement Lifestyle and Keeping Engaged
[8:00] Taking a Vacation and then Re-entering the Workforce
[8:40] Working Part-time
[9:30] Core Things to Consider
[10:35] Taking the Leap Smartly
[11:40] Have Something Lined Up
[12:15] Work for the Right Reasons
[12:30] Consider Starting a Business
[13:10] Pick a Schedule for You
[13:30] Approach Your Employer and See if They’ll Work with You
[14:20] Conclusion and Website
Monday Aug 31, 2020
Monday Aug 31, 2020
People may not be able to guarantee success in a retirement plan, but they can eliminate failure factors. What is a failure factor? Failure factors are mistakes that people make time and time again. It is imperative that you identify these because they could be derailing your retirement and all the hard work you’ve put in over your lifetime.
In this episode, I share the top 5 failure factors that I see investors making. I will give you real examples of clients I have seen that exhibited one or more of these problematic patterns. I will explain why these failure factors sabotage retirement and how you can address and remove these areas that can cause you to fail.
There is no guarantee in retirement, but eliminating failure factors is a possible pathway to ensuring a better, more successful retirement. My mission in delivering this information is that you will stop any of these behaviors you may be engaging in and make smarter financial decisions that will make a prosperous retirement more likely.
Episode Outline
[00:27] What is a Failure Factor?
[03:41] Failure Factor #5: Not diversifying where you invest
[07:45] Failure Factor #4: Ignoring future taxes and inflation
[10:58] Failure Factor #3: Not planning for long term care insurance
[13:28] Failure Factor #2: Believing you are smarter than the stock market
[17:11] Failure Factor #3: Not having a financial plan
[22:00] Recap
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