MoneyMattersUSA® with Fred Saide

Fred Saide

Fred Saide discusses proper planning to and through retirement. His goal is to provide information on financial matters related to planning a successful retirement. Fred discusses everything from saving strategies pre-retirement to building income and realizing the proper growth and protection necessary in retirement. read less

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Year End Retirement Strategies

Year End Retirement Strategies

Episode 165 features the three-year podcast anniversary. It actually should have been held on Episode 156 but better late than never. Fred discusses the current economic uncertainties and provides actionable steps for listeners to navigate these challenges. He emphasizes the importance of retirement planning strategies, particularly in optimizing Required Minimum Distributions (RMDs) and considering tax implications. The conversation also delves into the political landscape and its potential impact on financial planning, especially regarding estate taxes and charitable giving. As the year comes to a close, Fred highlights year-end financial strategies, including the benefits of bunching charitable donations and the significance of healthcare planning in light of upcoming Medicare changes. Finally, he advises listeners to review their investment strategies and make necessary adjustments for the fourth quarter. Reach Fred at 800-593-8188. Money Matters USA Money Matters USA-additional website-www.wealthensure.comSee omnystudio.com/listener for privacy information.

Episodios

Year End Retirement Strategies

Year End Retirement Strategies

Episode 165 features the three-year podcast anniversary. It actually should have been held on Episode 156 but better late than never. Fred discusses the current economic uncertainties and provides actionable steps for listeners to navigate these challenges. He emphasizes the importance of retirement planning strategies, particularly in optimizing Required Minimum Distributions (RMDs) and considering tax implications. The conversation also delves into the political landscape and its potential impact on financial planning, especially regarding estate taxes and charitable giving. As the year comes to a close, Fred highlights year-end financial strategies, including the benefits of bunching charitable donations and the significance of healthcare planning in light of upcoming Medicare changes. Finally, he advises listeners to review their investment strategies and make necessary adjustments for the fourth quarter. Reach Fred at 800-593-8188. Money Matters USA Money Matters USA-additional website-www.wealthensure.comSee omnystudio.com/listener for privacy information.

Remove the Bewilderment of Retirement

Remove the Bewilderment of Retirement

In Episode 164, Fred discusses the complexities of retirement planning, emphasizing the importance of having a written plan, setting realistic goals, and understanding the implications of investment strategies and taxes. He highlights the need for professional guidance in navigating these challenges, especially in light of potential political changes and the realities of extended longevity. The conversation also touches on the significance of health and long-term care planning, as well as the necessity of tax diversification. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Navigating the Retirement Maze

Navigating the Retirement Maze

On Episode 163, Fred discusses the complexities of retirement planning, emphasizing that it's not just about accumulating wealth but understanding personal goals and needs. He highlights the importance of working with a fiduciary, the role of AI in financial planning, and the necessity of creating a comprehensive retirement income plan. The conversation also covers long-term care costs, the challenges facing Social Security, and strategies for tax-efficient withdrawals and income diversification. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Retirement in the News

Retirement in the News

In Episode 162, Fred Saide discusses various financial topics related to retirement planning. He highlights the retirement disconnect, where many Americans are giving up on the ability to retire due to financial pressures caused by inflation. He emphasizes the importance of proper planning and the challenges of do-it-yourself retirement planning. Fred also discusses the potential impact of future tax changes on retirement savings and the benefits of Roth conversions. He addresses common financial regrets, the fear of running out of money in retirement, and the misconceptions surrounding Social Security benefits. Fred concludes by emphasizing the need for intelligent conversations and new policies to address the complex financial landscape. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Smooth Sailing Through Retirement

Smooth Sailing Through Retirement

In Episode 161, Fred discusses various aspects of retirement planning covering topics such as divorce, creating a retirement spending plan, maximizing Social Security benefits, withdrawal strategies, healthcare planning, and finding purpose in retirement. Fred emphasizes the importance of creating a budget, understanding one's financial needs, and optimizing Social Security. He also highlights the significance of tax efficiency, maintaining a healthy lifestyle, and continuing to learn in retirement. The conversation concludes with a discussion on pursuing happiness and finding fulfillment in retirement. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

The Retirement Checklist

The Retirement Checklist

In Episode 160, Fred Saide discusses the nine crucial steps to consider for a smooth and fulfilling retirement. The checklist includes topics such as retirement savings, multiple streams of reliable income, minimizing debt, comprehensive health and long-term care coverage, proper planning for spending and enjoyment, inflation protection, effective estate planning, achieving financial independence, and ensuring low stress and peace of mind in retirement. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Past Presidents and Their Economies

Past Presidents and Their Economies

In Episode 159, Fred discusses the impact of presidential elections on the economy and explores the economic history of past presidents. He touches on topics such as the current job market, the chances of a recession, the role of the Federal Reserve, and the impact of tax policies. He also discusses issues like healthcare, regulation, immigration, and foreign policy. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

The Puzzle Retirement Metaphor

The Puzzle Retirement Metaphor

In Episode 158, Fred Saide points out that retirement planning is like piecing together a complex puzzle, with each piece being crucial for a secure future. One approach to retirement planning is goals-based retirement planning, where the focus is on creating and achieving realistic goals before discussing income and money. Maximizing social security and identifying other sources of income, such as pensions, annuities, and investments, is important. Savings should be balanced with liquidity, and budgeting and expense management are essential. Health care and long-term care should also be considered, as well as estate planning and tax planning. Hear more in the podcast and Fred’s answer to another Stump the Guru question. Reach Fred at 479-935-9767. Money Matters USASee omnystudio.com/listener for privacy information.

Estate Planning

Estate Planning

In Episode 157, Fred Saide discusses the importance of estate planning and the mistakes to avoid. He emphasizes the need for a comprehensive estate plan to ensure that your assets are distributed according to your wishes. Fred highlights the importance of updating your estate plan regularly, especially after major life events. He also discusses the tax considerations in estate planning and the need for professional assistance. Fred provides valuable insights into funding trusts, addressing digital assets, and having open conversations about your estate plan with relevant parties. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Roth Conversions

Roth Conversions

In Episode 156, Fred Saide discusses the world of Roth IRAs and the benefits of Roth conversions. He emphasizes that it makes sense to consider Roth conversions at any time, especially when tax rates are lower. Saide also highlights the importance of tax diversification and the need to plan for future tax liabilities. He addresses the skepticism some CPAs and financial advisors have towards Roth IRAs and emphasizes the value of tax planning and reducing taxes throughout retirement. Saide encourages listeners to reach out for a no-obligation conversation to explore their options. In the second segment, Fred tackles a Stump the Guru question about Roth IRAs. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

The Steps to Retirement

The Steps to Retirement

In Episode 155, Fred Saide discusses five essential steps for retirement planning: reliable income, budgeting, risk management, healthcare expenses, and estate planning. He emphasizes the importance of having multiple streams of income in retirement and the need to properly manage inflation. Fred also explores different strategies for generating income in retirement, such as social security, pensions, real estate, and dividend-paying investments. He highlights the distinction between the accumulation stage and the de-accumulation stage in retirement planning and the importance of working with a qualified fiduciary. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

The Retirement Planning Checklist

The Retirement Planning Checklist

In episode 154, Fred Saide discusses important considerations for retirement planning, focusing on healthcare expenses, debt management, Social Security claiming strategies, asset allocation, and the impact of inflation. He emphasizes the need for budgeting, long-term care insurance, and a comprehensive plan to address healthcare costs. Saide also explores the challenges facing Social Security and potential solutions, including tax reforms and entitlement adjustments. He highlights the importance of tax allocation planning and the need for certainty in tax regulations. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Working with a Financial Professional

Working with a Financial Professional

In Episode 153 of Money Matters USA, Fred Saide discusses the importance of working with a financial professional and the benefits it can bring. He highlights studies that show the significant impact of working with an advisor, including higher returns and better long-term financial outcomes. Saide emphasizes the need for a written retirement plan and the importance of finding a trustworthy advisor who puts your interests first. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Investment Considerations in Retirement

Investment Considerations in Retirement

In Episode 152, Fred discusses whether retirees should continue to invest in the stock market and how they should allocate their assets. He emphasizes the importance of considering longevity and the need for a steady source of income in retirement. The conversation also touches on healthcare costs, legacy planning, risk tolerance, risk capacity, and the importance of understanding one's budget and desired returns. The episode concludes by highlighting the significance of working with a fiduciary and seeking professional advice. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Elections and the Economy

Elections and the Economy

During an election year, the debate arises about which party, Democrats or Republicans, is more beneficial for the stock market and the economy. However, Fred points out the impact of elections on the markets is not as significant as other factors, such as the actions of the Federal Reserve and government policies. Studies show that there is no clear consensus on whether a Democrat or a Republican is better for the stock market. The markets have their own beat and are influenced by various trends and correlations. Fred stresses it is important for investors to focus on realistic scenarios, assess risks, and make informed decisions based on their individual goals and circumstances. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Protect Your Retirement Income

Protect Your Retirement Income

Fred’s special guest is Corey Carver, Vice-President of Business Development at Magellan Financial and Insurance Services. Fred and Corey discuss the challenges of securing protected income for retirement. They explore the complexities of retirement planning and the importance of reliable and predictable income. They discuss different strategies, such as systematic income withdrawal, bucketing, and retirement income floors. They also highlight the benefits of annuities, including principal guarantees, potential for growth, and the ability to provide lifetime income. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

A Giant Wave of Retirees

A Giant Wave of Retirees

Fred Saide discusses the challenges and changes in retirement planning, focusing on the impact of Social Security, healthcare, the Secure Act, and inflation. He highlights the strain on Social Security and Medicare due to the increasing number of baby boomers reaching retirement age and the system's inability to accommodate this demographic shift. Fred emphasizes the need for a bipartisan commission to address these issues and suggests potential solutions such as tax increases and investing in index funds. He also discusses the elimination of the stretch IRA and the importance of planning for inflation in retirement. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

All About Annuities

All About Annuities

In this episode, Fred Saide provides a comprehensive overview of annuities, their relevance in retirement planning, and the different types of annuities available. He discusses the importance of annuities in providing guaranteed income and addresses the significance of monitoring annuity purchases. Additionally, he emphasizes the need for comprehensive financial planning and estate analysis. Reach Fred Saide at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Unique Challenges for Women

Unique Challenges for Women

Fred Saide discusses the challenges and statistics related to retirement planning, longevity, market volatility, and the unique challenges faced by women in retirement. He also addresses the importance of guaranteed income, annuities, and the need for comprehensive financial planning. The conversation delves into the impact of inflation, pay equity, and caregiving on women's retirement planning. Additionally, Fred emphasizes the need for social interaction and contingency planning for couples in retirement. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Expect the Unexpected

Expect the Unexpected

In this conversation, Fred Saide discusses retirement surprises and how to navigate them. He emphasizes the importance of understanding Medicare and making informed choices about healthcare coverage. Fred also explores options for long-term care and the potential costs associated with it. He highlights the need to plan for inflation, taxes, and longevity in retirement. Additionally, he discusses the impact of market volatility and the importance of having a comprehensive retirement income plan. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.