Podcast Ready For Retirement by James Conole, CFP® Episodes

Explore every episode of the podcast Ready For Retirement

Dive into the complete episode list for Ready For Retirement. Each episode is cataloged with detailed descriptions, making it easy to find and explore specific topics. Keep track of all episodes from your favorite podcast and never miss a moment of insightful content.

	Title	Pub. Date	Duration
	Facing Health Challenges in Retirement and Learning to Reconnect with Your Spouse	03 Sep 2024	00:30:54
After his father lost healthcare coverage in retirement and had to pay for a major health event with savings, Derek was highly motivated to ensure sufficient coverage in retirement. He even considered leaving the job he loved for one with better healthcare and retirement benefits. Derek shares his retirement journey with James, including: ➡ Decisions he made pre-retirement ➡ How he addressed healthcare concerns ➡ How his perspective on life and giving back has shifted ➡ How he and his wife prepared for the changes retirement would bring to their marriage Questions answered: What are some questions my spouse and I could explore now in preparation for when we’re spending more time together in retirement? What is Derek’s advice for soon-to-be retirees? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Meet Derek 3:23 - Importance of healthcare 6:48 - Health in retirement 10:07 - A new perspective and purpose 14:13 - Financial concerns and readiness 16:29 - The biggest challenge 19:30 - Adjustments in the marriage 23:13 - Derek’s advice 26:11 - Final thoughts Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Thrive in Retirement by Embracing the Unknown	27 Aug 2024	00:34:35
Chris has been retired for a little over a year while his wife has continued to work. Now that Chris has “tried on” retirement and found the fit good, his wife will likely join him within the year. In his conversation with James, Chris, who could be described as goal-oriented and one who likes to be prepared, talks about the pros and cons of retirement. He’s found that by staying flexible, maintaining an adventuresome spirit, and focusing on giving back, retirement can be quite fulfilling. And he’s paved the way for his wife to retire with confidence. Questions answered: What sort of conversations could spouses be having before and during retirement about goals and expectations? How will relationships with colleagues shift and change in retirement? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Meet Chris 3:50 - Impressions regarding retirement 6:17 - Preparatory conversations 9:09 - Decompressing and adjusting 12:24 - Purpose and mystery 15:59 - Exploring and serving 21:19 - Missing colleagues 25:57 - One spouse retiring first 29:41 - What’s next and final advice Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Retirement Income Strategies: IRA vs. Brokerage Withdrawals (The Tax-Smart Choice for Retirees)	25 Jun 2024	00:33:01
Mark asks a common question – What should I do regarding my withdrawal strategy? Should I first pull from my brokerage account or my IRA? There is no one-size-fits-all answer, but James provides a framework for creating a strategy to increase your odds of getting the most out of your money saved. He walks through the pros and cons of first pulling from your IRA versus a brokerage account, taking into consideration required distributions, tax rates and strategies, capital gains, Roth conversions, tax gain harvesting, and charitable giving. Questions answered: What are the tax implications of giving to family members versus charities? How should capital gains affect my withdrawal and tax strategy? Timestamps: 0:00 - Mark’s question 3:12 - Pros of pulling from IRA 7:24 - Lower tax rate today 9:27 - Cons of pulling from IRA first 11:38 - Charitable giving 13:58 - Pros of brokerage pulls 18:40 - Other potential pros 21:39 - Cons of pulling from brokerage 26:03 - Things to consider 30:50 - Wrapping up Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Should You Use Roth or Pre-Tax if You're in the 24% Tax Bracket?	04 Oct 2022	00:22:05
In this episode of Ready for Retirement, James discusses if you should use Roth or Pre-Tax if you're in a 24% tax bracket. Questions Answered: How do your taxes impact your overall financial plan? What are the best strategies to understand your tax plan? How do your investments impact your overall retirement plan? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	A Story of What You Are Actually Investing In	27 Sep 2022	00:19:40
In this episode of Ready for Retirement, James discusses a story to better understand what you're actually invested in. Questions Answered: How can you reframe the way you view investing What are the best strategies to better understand your investments How do your investments impact your overall retirement plan? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	What's the Best Way to Help My Kid Buy a Home?	20 Sep 2022	00:17:58
In this episode of Ready for Retirement, James discusses the best way to help your children buy a home. Questions Answered: How can I best help my child buy a home? What are the best strategies to help? How does this impact my overall retirement plan? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Best Align Your Portfolio with Other Income Sources	13 Sep 2022	00:17:09
In this episode of Ready for Retirement, James discusses how to best align your portfolio with other income sources. Questions Answered: How can I align my portfolio with my other income sources? What are the best investments for your specific goals? How do your investments and other income sources connect to your overall retirement plan? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Should Gold Be Part of Your Investment Portfolio?	06 Sep 2022	00:24:01
In this episode of Ready for Retirement, James discusses if gold should be part of your investment portfolio. Questions Answered: Should gold play a role in your investment portfolio? What are the best investments for your specific goals? How do your investments connect to your overall retirement plan? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	What Are the Best Strategies for Reducing Required Minimum Distributions?	30 Aug 2022	00:26:17
In this episode of Ready for Retirement, James discusses the best strategies for reducing RMDs (Required Minimum Distributions). Questions Answered: How can you minimize Required Minimum Distributions? What's the best account for your specific goals? How do your investments connect to your overall retirement plan? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Avoid These Pitfalls of Asset Location	23 Aug 2022	00:22:16
In this episode of Ready for Retirement, James discusses how you can avoid the pitfalls of asset location. Questions Answered: How can you effectively invest in the right accounts? What's the best account for your specific goals? How do your investments connect to your overall retirement plan? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	What's the Best Way to Teach Kids About Money and Investing?	16 Aug 2022	00:25:16
In this episode of Ready for Retirement, James discusses the best way to teach kids about money and investing. Questions Answered: How can you effectively teach kids about money and investing? What's the best strategy to have kids start to understand about money? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	What Return Should You Expect for a 60/40 Portfolio Going Forward?	09 Aug 2022	00:18:29
In this episode of Ready for Retirement, James discusses what return you should expect from a 60/40 portfolio going forward. Questions Answered: Is the 60/40 portfolio the best portfolio in retirement? What's the best strategy to utilize when it comes to determining the best allocation for my retirement goals? How does this impact your overall retirement strategy? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How do State Taxes Impact Roth v. Traditional Considerations?	02 Aug 2022	00:14:55
In this episode of Ready for Retirement, James discusses how state taxes impact Roth v. Traditional Contributions. Questions Answered: How should you determine what tax strategy is best based on your state? What's the best strategy to utilize when it comes to determining when to prioritize Roth contributions? How does this impact your overall retirement strategy? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	The Four Phases of Retirement with Dr. Riley Moynes	18 Jun 2024	00:30:01
Dr. Riley Moynes, author and creator of a popular TED Talk joins James to discuss his own retirement which led him to become the author of The 4 Phases of Retirement. While Dr. Moynes was financially prepared for retirement, he wasn’t prepared for the boredom and depression that followed the first two years of retirement fun. As it turns out, his retirement path was far from unusual. Dr. Moynes shares what leads to a truly meaningful retirement and how you can prepare now for a meaningful, deeply satisfying retirement, one that is about much more than vacations and golf. Connect with Dr. Riley Moynes: Website: https://thefourphases.com/ YouTube Channel: https://www.youtube.com/@rileymoynes545 TedX Talk: https://youtu.be/DMHMOQ_054U?si=wr1B3lw5ysc05GPS Book: https://thefourphases.com/buy-the-book/ The Workshop: https://thefourphases.com/book-a-workshop/ Questions Answered: Why are some people unhappy in retirement, and is there a way to prevent that? What are some reflective questions that can set me on the path to a satisfying retirement? Timestamps: 0:00 - Dr. Riley Moynes and his research 4:55 - Phases 1&2 - vacation and boredom 9:57 - Phases 3&4 - trial and reinvention 12:45 - Ask the tough questions 16:06 - Skip Phase 2 and 3? 18:39 - Pre-retirement preparations 22:52 - Service to others 26:05 - Summary Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Use 72t Distributions to Access Retirement Funds Early and Penalty-Free	26 Jul 2022	00:23:50
In this episode of Ready for Retirement, James discusses Rule 72t distributions to access retirement funds early and penalty-free. Questions Answered: How can you withdraw funds from retirement accounts early? What's the best strategy to execute the Rule 72t distributions? How does utilizing the Rule 72t impact the overall financial strategy? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Use Individual Stocks for Better Tax-Planning	19 Jul 2022	00:24:06
In this episode of Ready for Retirement, James discusses how to use individual stocks for better tax-planning. Questions Answered: How can you use individual stocks for strategic tax planning? What's the best strategy to utilize with individual stocks? How does this impact your retirement strategy? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Most Effectively Pull Funds Out of Your College Savings Account	12 Jul 2022	00:23:21
In this episode of Ready for Retirement, James discusses how to most effectively pull funds out of your college savings account. Questions Answered: What are the tax implications of pulling from college savings accounts? What are the best ways to utilize this account for your retirement goals? What strategies exist when it comes to funding college? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Turn Real Estate Equity Into Income in Retirement?	05 Jul 2022	00:22:08
In this episode of Ready for Retirement, James discusses how to turn real estate equity into income in retirement. Questions Answered: How can I best use my real estate equity to create income in retirement? What are passive investments to create a secure retirement? How can you ensure you reach your retirement goals? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Is Rental Real Estate a Good Idea in Retirement?	28 Jun 2022	00:26:20
In this episode of Ready for Retirement, James discusses if rental real estate is a good idea in retirement. Questions Answered: Is it worth investing in rental real estate for retirement income? What are passive investments to create a secure retirement? How can you ensure you reach your retirement goals? Check out the podcast on YouTube here! Check out our main channel on YouTube here! LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	4 Steps to an Early Retirement with Ari Taublieb	21 Jun 2022	00:28:45
In this episode of Ready for Retirement, James discusses with guest, Ari Taublieb, the four most important steps when considering an early retirement (non-traditional retirement). Ari is a financial planner at Root Financial Partners. Ari Taublieb is the host of the Early Retirement podcast. Ari also has a YouTube channel focusing on early retirement. Questions Answered: What are the primary considerations when it comes to retiring early? How can you set up your finances to optimize your withdrawals? What are the steps to a successful retirement when retiring early? Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Implement (And Do Better Than) the 4% Rule	14 Jun 2022	00:20:18
In this episode of Ready for Retirement, James discusses how to implement (and do better than) the 4% rule. Questions Answered: How can you maximize your withdrawal strategy? What should you consider in terms of withdrawing funds from your investments? How can you ensure you reach your retirement goals? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Invest Different Portfolio "Buckets"	07 Jun 2022	00:22:07
In this episode of Ready for Retirement, James discusses how to invest in different portfolio "buckets". Questions Answered: How can you best be invested for your goals? What should you consider in terms of withdrawing funds from your investments? How can you ensure you reach your retirement goals? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Become a Better Investor with Chad Hufford	31 May 2022	00:44:40
In this episode of Ready for Retirement, James discusses how to be a better investor with guest, Chad Hufford, owner of Veritas Wealth Management in Anchorage, Alaska. Questions Answered: How can you become a better investor? What should you to become a better investor and set yourself up to reach your retirement goals? How can you ensure you reach your retirement goals? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How Should Withdrawal Rates Change if You Don't Have Any Legacy Goals?	24 May 2022	00:22:12
In this episode of Ready for Retirement, James discusses how withdrawal rates should change if you don't have any legacy goals. Questions Answered: How can you plan most effectively for your legacy goals (or lack thereof)? What should you consider in terms of withdrawing funds and your goals? How can you ensure you reach your retirement goals? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Planning for Large Costs in Retirement \| Beyond the 4% Rule	11 Jun 2024	00:22:42
Listener Sherry asks a good question: How do large, one-off expenses (like a new roof, new car, etc.) fit in the 4% Rule? James explains the concept of the 4% Rule and its limitations while demonstrating how it can be an effective guideline in planning and forecasting retirement success. He addresses the importance of anticipating one-off expenses and, depending on your portfolio withdrawal rate, using sinking funds to get a reality check on where you stand. Questions answered: Are one-off expenses covered in the 4% Rule? Who should be concerned with creating sinking funds for one-off expenses? Timestamps: 0:00 - Sherry’s question 3:19 - Shortcomings of the 4% Rule 5:30 - Look at income and outcome 6:58 - Portfolio withdrawal rate 10:51 - Example of no margin 13:02 - Sinking funds 16:57 - New reality check 18:49 - Consider the duration of expenses 20:17 - The wrap-up Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Get Financially Organized	17 May 2022	00:26:29
In this episode of Ready for Retirement, James discusses how to get financially organized. Questions Answered: How can you be most organized financially? What should you consider when planning for financial organization? How can you ensure you don't outlive your money? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Enjoy Life Today While Also Preparing for the Future	10 May 2022	00:21:48
In this episode of Ready for Retirement, James discusses how to enjoy life today while also preparing for the future. Questions Answered: What can you do today to prepare for the future? What should you consider when planning your retirement? How can you ensure you don't outlive your money? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	The Complete Guide to Health Savings Accounts (HSA)	03 May 2022	00:27:32
In this episode of Ready for Retirement, James discusses the complete guide to Health Savings Accounts (HSA). Questions Answered: How can you use an HSA most effectively? What should you consider when planning your healthcare expenses? How can you ensure you don't outlive your money? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	The 3 Most Important Mindset Shifts to Make Going Into Retirement	26 Apr 2022	00:23:17
In this episode of Ready for Retirement, James discusses the 3 most important mindset shifts to make going into retirement. Questions Answered: What are the mindset shifts to make going into retirement? What should you consider when planning your retirement expenses? How can you ensure you optimize your money? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How Likely is it That You'll Run Out of Money in Retirement?	19 Apr 2022	00:24:54
In this episode of Ready for Retirement, James discusses how likely it is that you'll run out of money in retirement? Questions Answered: Is it likely that you will outlive your money in retirement? What should you consider when planning your retirement expenses? How can you ensure you don't outlive your money? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Investing for Longevity When There's a Spousal Age Gap	12 Apr 2022	00:26:32
In this episode of Ready for Retirement, James discusses how to invest for longevity when there's a spousal age gap. Questions Answered: What would change if one spouse predeceased the other? How would your income and portfolio be impacted? What are the considerations when planning around one spouse predeceasing the other? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How Do Roth Conversions Impact Inheritance/Legacy?	05 Apr 2022	00:29:21
In this episode of Ready for Retirement, James discusses how Roth Conversions impact inheritance, specifically legacy planning. Questions Answered: How can Roth Conversions be best implemented for legacy planning? What are the important strategies to be aware of when implementing Roth Conversions? How can Roth Conversions impact planning for inheritance? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Where Should You Pull Income in the First Year of Retirement?	29 Mar 2022	00:29:37
In this episode of Ready for Retirement, James discusses where you should pull income from in the first year of retirement. Questions Answered: What is the best account to pull from in retirement? Why do you need to have more than just a good financial plan? What are the best ways to withdraw income in retirement? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	4 Steps to Navigating Down Markets	22 Mar 2022	00:32:36
In this episode of Ready for Retirement, James discusses 4 ways to navigate market downturns. Questions Answered: How should investors approach down markets? Why do you need to have more than just a good financial plan? How do you implement the guardrails approach? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	What's the Best Way to Rebalance Your Portfolio?	15 Mar 2022	00:27:12
In this episode of Ready for Retirement, we’re talking about the best way to rebalance your portfolio. Questions Answered: How do I know if I need to rebalance my portfolio? How can we make sure I'm setting myself up to optimize my retirement strategy? What is the best rebalance strategy? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Early Retirement Health Insurance Strategies \| Roth Conversions vs. ACA Subsidies	04 Jun 2024	00:33:36
Healthcare subsidies are like a tax break and should always be optimized, right? That seems like an easy question that should have a straightforward answer. But the correct answer is, “It depends.” Cole from Move Health is back, as he and James explain how advanced premium tax credits work, when you might not want to take them, and why it’s imperative to have a financial plan and a tax strategy in mind as you make healthcare insurance decisions. They share case studies and remind listeners that we don’t need to feel intimidated regarding healthcare in early retirement. We just need to be informed. Questions Answered: Who is eligible for advanced premium tax credits? When should I not try to optimize healthcare subsidies? Timestamps: 0:00 - ACA coverage 2:19 - Advanced premium tax credits 4:59 - Determining subsidies 8:09 - Modified adjusted gross income 9:36 - Estimating income 13:17 - Optiming premiums and subsidies 15:28 - Tax/subsidies strategies 18:56 - A case study 21:43 - When to optimize subsidies 27:10 - Another case study 29:34 - Tips and takeaways Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Prioritize Roth Conversions Vs. Tax Gain Harvesting	08 Mar 2022	00:28:33
In this episode of Ready for Retirement, we’re talking about how to prioritize Roth Conversions v. Tax Gain Harvesting. Questions Answered: How do I know if I should prioritize Roth Conversions or Tax Gain Harvesting? How can we make sure I'm setting myself up to optimize my retirement strategy? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	The 5 Most Important Parts of a Successful Financial Strategy	01 Mar 2022	00:28:21
In this episode of Ready for Retirement, we’re talking about the 5 most important parts of a successful financial strategy. Questions Answered: What is the most important parts of a successful financial strategy? How can we make sure we're setting ourselves up for success in retirement? What should we make sure to avoid in retirement? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Should I Take My Pension as an Annuity or Lump Sum Rollover?	22 Feb 2022	00:24:16
In this episode of Ready for Retirement, we’re talking about pensions and how you should take your pension when you retire. Questions Answered: Should I take my pension as an annuity or lump sum rollover? What are the pros and cons of each? When might both make sense? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Should I Prioritize Health Insurance Subsidies or Roth Conversions?	15 Feb 2022	00:30:05
In this episode of Ready for Retirement, we’re talking about how to know whether you should prioritize health insurance subsidies or Roth conversions. Questions Answered: Should I prioritize health insurance subsidies or Roth conversations? When won’t these strategies be relevant? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Manage Roth Conversions Before Taxes Increase	08 Feb 2022	00:29:14
Our topic on this episode of the Ready for Retirement podcast is about how to manage Roth Conversions before taxes increase. Questions answered: How can you manage Roth Conversions before taxes increase? What strategies can you implement to ensure you create your ideal retirement? What is the best strategy for your individual situation? Are you ready to start focusing on the things that truly matter when it comes to your financial future? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here969 Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How Do I Know if I Should Purchase Long-Term Care Insurance?	01 Feb 2022	00:33:46
Our topic on this episode of the Ready for Retirement podcast is about understanding if you should buy long-term care insurance. Questions answered: Should you buy Long-Term Care insurance? What strategies can you implement to ensure you create your ideal retirement? What is the best strategy for your individual situation? Are you ready to start focusing on the things that truly matter when it comes to your financial future? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partnership Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Why a Monte Carlo Analysis Is Not a Financial Plan	25 Jan 2022	00:25:21
Our topic on this episode of the Ready for Retirement podcast is about why a Monte Carlo analysis is not a financial plan Questions answered: What is a Monte Carlo analysis and how does it impact our retirement plan? What strategies can you implement to ensure you create your ideal retirement? What is the best strategy for your individual situation? Are you ready to start focusing on the things that truly matter when it comes to your financial future? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Should I Invest In a Tax-Deferred Annuity Instead of a Brokerage Account?	18 Jan 2022	00:25:23
Our topic on this episode of the Ready for Retirement podcast is about the differences between investing in a tax-deferred annuity and a brokerage account. Questions answered: Should you invest in a tax-deferred annuity or a brokerage account? What strategies can you implement to ensure you create your ideal retirement? What is the best strategy for your individual situation? Are you ready to start focusing on the things that truly matter when it comes to your financial future? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Should I Invest in iBonds Paying 7.12%?	11 Jan 2022	00:22:50
Our topic on this episode of the Ready for Retirement podcast is about the recent iBonds paying 7.12%. Questions answered: Should you invest in iBonds paying 7.12%? What strategies can you implement to ensure you create your ideal retirement? What is the best strategy for your individual situation? Are you ready to start focusing on the things that truly matter when it comes to your financial future? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Key Planning Points to Consider When Retiring Before 65	04 Jan 2022	00:31:14
Our topic on this episode of the Ready for Retirement podcast is about the key planning points to consider when retiring before age 65. Questions answered: How can you make sure you're on track to retire before age 65? What strategies can you implement to ensure you create your ideal retirement? What is the best strategy for your individual situation? Are you ready to start focusing on the things that truly matter when it comes to your financial future? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Health Insurance Options for Early Retirement	28 May 2024	00:29:25
We meet many people who are in a position to retire early. But when they think about healthcare in retirement and not being eligible for Medicare until age 65, they feel stuck, even though they’re ready for retirement in every other way. Cole Craven of Move Health Partners chats with James about the healthcare options that are available for early retirees and why there is no one-size-fits-all, “best” solution. He also lays out a general timeline for ensuring a smooth transition between your current healthcare, early-retirement healthcare, and post-age 65 healthcare. Questions Answered: What are my healthcare options if I retire before age 65? What are advanced premium tax credits, and how can I make the most of them? Time stamps: 0:00 - Cole Craven on early retirement 4:05 - 5 pre-65 retirement healthcare options 9:35 - Determining the best option 11:38 - Advanced premium tax credits 13:27 - Upcoming ACA changes 16:16 - Is low-income strategy a good idea? 18:50 - How/where to get coverage 22:03 - Timeline for pre-and-post 65 24:32 - Wrap-up Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Plan For Varying Withdrawal Needs In Retirement	28 Dec 2021	00:23:44
Our topic on this episode of the Ready for Retirement podcast is about planning for varying withdrawal needs in retirement Questions answered: Where should I pull funds from first and how does that impact my retirement strategy? What strategies can I implement to maximize my income in retirement? What is the best strategy for your individual situation? Are you ready to start focusing on the things that truly matter when it comes to your financial future? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	How to Avoid the Risk of Working Too Long	21 Dec 2021	00:31:06
Our topic on this episode of the Ready for Retirement podcast is about how you can avoid the risk of working too long. Questions answered: How can I make sure I don’t work longer than I need to? What strategies can I implement to ensure I create my ideal retirement? What is the best strategy for your individual situation? Are you ready to start focusing on the things that truly matter when it comes to your financial future? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!
	Everything You Need to Know About The Roth IRA 5-Year Rule	14 Dec 2021	00:21:03
Our topic on this episode of the Ready for Retirement podcast is about everything you need to know about the Roth IRA 5-year rule. Questions answered: How does the Roth IRA 5-year rule impact my retirement strategy? What strategies can I implement to maximize my income in retirement? What is the best strategy for your individual situation? Are you ready to start focusing on the things that truly matter when it comes to your financial future? We’re on YouTube! Check us out here for more content to help you create a secure retirement: YouTube - Root Financial Partners LET'S CONNECT! Facebook LinkedIn Website ENJOY THE SHOW? Don't miss an episode, subscribe via Apple Podcasts, Stitcher, Spotify, or Google Play Have a question you want answered on a future episode? Submit it here Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!

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