In this conversation, Adam Muller discusses the importance of finding the right financial advisor and the benefits of working with a professional. He emphasizes the need for a comprehensive financial plan, including strategies for retirement, income planning, tax minimization, estate planning, and healthcare. Adam also highlights the advantages of working with an independent advisor and a licensed fiduciary. He provides insights into market volatility and the importance of protecting and growing assets. The conversation concludes with a reminder to be prepared for unexpected expenses and the opportunity to rework or refinance retirement plans.  They also address questions about ETFs, maximizing pension benefits, and ensuring financial security for spouses. The conversation emphasizes the importance of having a comprehensive financial plan and making informed decisions based on individual circumstances.

 

Reach out to Adam at 800-467-0737 or https://myajmfinancial.com

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In this conversation, Adam Moeller discusses the importance of continuing to invest after retirement. He highlights several reasons for doing so, including longevity, inflation, unexpected expenses, family support, and opportunities for enjoyment. He also emphasizes the need for diversification within retirement plans and the importance of legacy planning. Adam emphasizes the importance of working with an independent advisor who is a licensed fiduciary.  They touch on personal experiences, such as fishing trips and basketball games, as well as important concepts like risk tolerance, asset allocation, and withdrawal strategies. They emphasize the importance of working with an independent advisor and offer a complimentary financial review to help individuals plan for a stress-free retirement. The conversation also covers topics like legacy planning, Social Security benefits, and refinancing retirement income. Overall, the conversation provides valuable insights and advice for individuals approaching retirement.

Reach out to Adam at 800-467-0737 or https://myajmfinancial.com

 

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In this conversation, Adam Muller discusses various tax strategies for retirement planning. He emphasizes the importance of understanding what is and isn't taxable in retirement and suggests ways to create a tax-efficient strategy. He covers topics such as the taxation of social security benefits, pensions, 401(k)s, IRAs, annuities, and home sales. He also highlights the benefits of Roth IRAs and life insurance for tax-free income and leaving a tax-free legacy. Adam encourages listeners to take action and seek professional advice to optimize their retirement plans.

Reach out to Adam at 800-467-0737 or https://myajmfinancial.com

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In this conversation, Adam Muller discusses retirement planning concerns, tips for a successful retirement, and the impact of inflation and market volatility. He emphasizes the importance of having a financial plan, managing debt, and building an emergency savings fund. Adam also explores the 4% rule for retirement withdrawals and the potential impact of the upcoming election on the market. He highlights the value of working with a fiduciary and offers a free financial review for listeners. In this conversation, Jackie Selby  and Adam Moeller discuss retirement planning and the benefits of refinancing retirement accounts. They also address common questions and concerns about 401(k)s, pensions, and required minimum distributions. Adam emphasizes the importance of having a comprehensive financial plan and offers a free financial review for listeners. The conversation provides valuable insights and advice for individuals approaching retirement.

Reach out to Adam at 800-467-0737 or https://myajmfinancial.com

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The hosts discuss their personal lives and involvement in sports. They then transition to discussing retirement planning and the challenges faced by pre-retirees and retirees in today's economic reality. They emphasize the importance of working with an independent advisor and highlight the services offered by AJM Financial. The conversation covers topics such as diversifying investment portfolios, converting money to Roth accounts, and incorporating guaranteed income through insurance and annuity products. The hosts offer a free financial review for listeners and provide contact information for AJM Financial. In this conversation, Adam Mueller discusses various financial topics and answers questions from listeners.. Adam explains his investment strategy, including his preference for tactically managed portfolios and fixed index annuities. He also discusses the benefits of using an HSA in retirement and provides guidance for individuals going through a divorce or planning for retirement with a significant net worth.

Reach out to Adam at 800-467-0737 or https://myajmfinancial.com

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The retirement of baby boomers has significant impacts on current retirees, the economy, and social systems. The show discusses various topics related to retirement, including Medicare, Social Security, pensions, healthcare, economic implications, financial markets, government policies, and community services. The retirement of baby boomers leads to increased demand for services, potential strain on public resources, and changes in job opportunities.. Divorce can have a profound impact on both personal and financial aspects, particularly during retirement. The process of dividing assets such as real estate, retirement savings, family business, stock options, life insurance proceeds, long-term care insurance policies, and debt can be emotionally draining.  The decision to retire at different times or together depends on various factors such as retirement benefits, social security benefits, pensions, and financial needs. It is important to consider safe options for holding investment funds between investments, such as bank accounts, CDs, fixed annuities, or fixed index annuities. It is crucial to review and adjust investment strategies in the retirement red zone, typically 10 years before retirement. Robo advisors may not provide the personalized strategies and advice needed for retirement planning. It is crucial to seek professional advice and a comprehensive financial review to ensure a worry-free retirement.

Reach out to Adam at 800-467-0737 or https://myajmfinancial.com

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Retirement planning has undergone significant changes over the past 20 years, influenced by shifts in the economy, demographics, technology, and regulatory environments. Some of the most significant changes include the shift from defined benefit to defined contribution plans, the increase in contribution limits, the introduction of automatic enrollment and escalation features, the popularity of health savings accounts, changes in required minimum distributions, the use of target date funds, changes in Social Security policies, and the focus on longevity planning and long-term care strategies.They highlight the benefits and drawbacks of each type and emphasize the importance of working with a licensed fiduciary to choose the right annuity product. They also touch on other financial topics such as paying off a mortgage with a Roth IRA, the growth of a Roth IRA over time, and the impact of Federal Reserve rate cuts on retirement planning.

Reach out to Adam at 800-467-0737 or https://myajmfinancial.com

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The conversation covers various aspects of retirement planning, financial regrets, and the role of annuities in retirement income. It emphasizes the importance of guaranteed income, risk management, and the impact of inflation on retirement planning. The discussion also highlights the significance of financial planning strategies and the role of independent advisors in retirement planning. The conversation covers a range of financial planning topics, with a focus on retirement savings, financial disparities between men and women, long-term care, estate planning, and dividend-paying stocks. The host shares insights and advice on these subjects, emphasizing the importance of education, planning, and seeking professional guidance. The conversation also highlights the challenges faced by women in retirement and the need for comprehensive financial strategies.

 

Reach out to Adam at 800-467-0737 or https://myajmfinancial.com

 

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The conversation discusses various unexpected expenses and challenges that retirees may face in retirement, including healthcare costs, home ownership expenses, inflation, financial support for adult children, taxes, longevity risk, and the limitations of 401(k) plans. The host emphasizes the importance of having a comprehensive financial plan and working with an independent advisor. The conversation also touches on strategies such as opening a health savings account, setting aside a home maintenance fund, considering Roth conversions, and building a guaranteed lifetime income stream.  The conversation then shifts to the role of annuities in retirement planning, with a focus on different types of annuities and their benefits. The hosts also discuss the involvement of large investment management firms like BlackRock in the annuity business. The conversation concludes with a discussion on inflation and its impact on retirement planning.

Reach out to Adam at 800-467-0737 or https://myajmfinancial.com

 

See omnystudio.com/listener for privacy information.