Ever wondered about the future of Social Security? Need help creating a plan for Long-Term Care? What happens if you retire during a Recession? Retiring in today’s world can be complex and complicated. Each week, CERTIFIED FINANCIAL PLANNER™ Loren Merkle and co-host Molly Nelson will tackle trending financial topics and apply them to your retirement. You’ll takeaway the important, need-to-know information about preparing for retirement and what happens after you get there. Retiring Today will…
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Retirement comes with opportunities, but it also brings financial risks that can catch people off guard. Learn eight common reasons retirees can run short on money and practical planning strategies that may help you prepare for a more confident retirement. Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4hu6DJo -- Get the tools you need to prepare for retirement with the…
If you have a large IRA balance and retirement is getting closer, your tax bill may be bigger than you expect. This episode breaks down why taxes catch so many retirees off guard and what you can do about it now. Ready to take your next step in retirement planning? Schedule a RetireReady Call at https://bit.ly/3Sy2vxl Download your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE…
You saved diligently for decades. But the tax bill waiting inside your IRA may be larger than you think, and it can grow every year. Ready to take your next step in retirement planning? Schedule a RetireReady Call at https://bit.ly/3Sy2vxl Want to go deeper? Download the Tax Strategies for Retirement guide at MerkleTaxGuide.com In this episode, Loren Merkle, Molly Nelson, and Chawn Honkomp break…
Retirement isn’t a single event, it’s a journey that can span 20, 30 or even 40 years. The financial decisions you face at age 50 may look very different from the ones you’ll encounter in your 60s, 70s and beyond. In this episode, we explore the key planning priorities that often emerge during each decade of retirement and how those decisions can affect your long-term financial picture. From…
What role can annuities play in retirement planning, and how do you know if they may be worth considering? In this episode, we break down the pros, cons and complexities of annuities in a practical, easy-to-understand way. From income features and potential downside protection to fees, surrender charges and liquidity concerns, you’ll learn why annuities may be a helpful tool for some retirees, but…
What does it take to build a retirement plan designed to support you for 20, 30 or even 40 years? In this episode, Loren Merkle, Molly Nelson and Haley Gutschenritter explain why owning IRAs, 401(k)s, annuities and savings accounts does not automatically create a retirement strategy. Using the analogy of construction blueprints versus tools, they explain how a written retirement plan can help…
Even if you already have an estate plan in place, there’s a good chance it may not work the way you think. In this episode, Loren Merkle, Molly Nelson, and guest attorney Charlie Bottenberg of Brick Gentry P.C. discuss how estate planning has evolved — and why outdated documents, old trust language, and overlooked beneficiary designations could create unintended tax consequences, probate issues,…
Most retirees no longer have a pension, and that changes everything about how you build retirement income. If you've ever felt like retirement planning is harder than it used to be, this episode explains exactly why, and what you can do about it. Ready to take your first step in retirement planning? Schedule a RetireReady Call at https://bit.ly/42nu7qP Download your copy of the Retiring Today…
A massive $124 trillion is expected to pass from one generation to the next over the next 20 years, but most families aren’t talking about it. In this episode, Retirement Planners Loren Merkle and Clint Huntrods break down why inheritance conversations are often avoided, the disconnect between parents and children, and how a lack of communication can impact both finances and family relationships.…
Social Security is the elephant in the room when it comes to retirement planning. Everyone knows the decision is there, but between your neighbor who claimed at 62 and your coworker waiting until 70, it's hard to know what you should actually do. For a married couple, this decision can impact over a million dollars in lifetime retirement income. For a single filer, it can impact $500,000 or more.…
