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Retirement 360

Alan Mercurio

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Catch Retirement 360 with Alan Mercurio and Troy Bolton, Kentuckiana's highly acclaimed retirement coaches. Gain true financial wisdom and advice aimed at educating you about all of your financial options when it comes to retirement so you can make the best decisions for you and your family. Get information and education that can bring you peace of mind with your savings and retirement. Whether it's your 401k account, IRA, or an underperforming asset, Louisville's Retirement Coaches, can ans ...
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A recent survey showed that many people age 55 and older either failed or just barely passed a Social Security quiz. Alan and Troy discuss some of the questions on the quiz and present the right information to help people get the most from these benefits. Later they revisit retirement strategies for small business owners.…
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Troy's book about the Retirement 360 Game Plan is now one year old, and today Alan and Troy continue their special offer to give a copy away along with the Retirement Took Kit that will help you get started on the process of putting a full Retirement 360 Game Plan together with the help of Mercurio Wealth Advisors.…
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Medicare is going up again in 2024, and Alan and Troy discuss how to control how you take your income before they affect your taxes, which could relate to Medicare premiums. They also revisit the subject of making marginal retirement gains on a consistent basis to mitigate market volatility.Kirjoittanut Alan Mercurio
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You have a nice nest egg of retirement savings - but how do you turn that into income, which is what you need first and foremost when you actually retire? Today Alan and Troy take a look of strategies and steps you can take to make sure you have income every month so you can live the lifestyle you want in your post-working years.…
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Today Troy takes a look at things which are changing that you need to know about for the coming year, including new IRS rules, Social Security adjustments and more. Then Alan joins him to revisit how retirement in real life may differ from what someone might imagine it to be beforehand.Kirjoittanut Alan Mercurio
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With a new year about to start, it's a good time to take stock of your financial plan and get out of bad habits which could derail the timing of your potential retirement. Alan and Troy go over some of these, including not having a budget, not paying attention to fees, and several others.Kirjoittanut Alan Mercurio
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Finances and money have an emotional side that people often have issues with, especially when it comes to retirement planning. Alan and Troy take a look at how behavior can affect how people look at their situation heading into retirement and how a financial professional can help them plan to stay on track and not make emotional decisions that coul…
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Today Alan and Troy take another look at a year end checklist of things to get done financially before 2023 turns into 2024. Then they look at the three stages of retirement. commonly referred to as the go-go years, the slow-go years and the no-go years, and how your money needs to be available for certain things in each stage.…
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Alan discusses a trick banks use by not raising your account's interest rates when they go up. But if you ask them about it, they could get better rates for your account. Later he and Troy visit the challenges women have when putting plans together for their own retirement without a partner.Kirjoittanut Alan Mercurio
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Sometimes what you imagine retirement will be like isn't what it turns out to be. Alan and Troy take a look at what happens when the reality of retirement clashes with the thought of what you want it to be, and how planning can help with issues that crop up that could change the way you could live your post-working years.…
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November is long term care awareness month, and people have a tendency not to plan for it because they may not know all their options. Alan and Troy discuss the issue and how it could be more affordable than you think with various programs designed to cover at least some of the costs.Kirjoittanut Alan Mercurio
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Today Alan and Troy go over a list of things to be aware of getting done before 2023 ends, then take a look at legacy planning and how best to respect the wishes of those who have passed to be sure what they leave behind is passed on to those who are supposed to receive it.Kirjoittanut Alan Mercurio
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Retirement account balances are up, according to recent data. But that means you have more to lose in the event of market volatility. Today Alan and Troy talk about how to plan for that scenario so that you keep more of what you have saved and earned throughout your working career.Kirjoittanut Alan Mercurio
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Alan and Troy discuss the items necessary for a solid retirement plan and how much it's like planning for a special trip. They also address the local situation involving various businesses potentially buying out employee pensions and how to make the right decision for your particular situation.Kirjoittanut Alan Mercurio
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September is life insurance month, and it could play an important role in your retirement plan. Alan and Troy discuss how it may fit into a plan in the fight situation, as well as upcoming seminars they will be putting on. Later in the show they revisit the idea of making marginal gains in your retirement investments, and how that is better than ta…
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Alan and Troy break down Social Security and its importance to anyone's retirement income plan, and also address letting a financial professional help determine when the best time to take it would be for your situation. And be listening for a special offer from Mercurio Wealth Advisors for folks to call and get started with a Retirement 360 Scoreca…
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Aside from the emotional aspect of a spouse passing away, the financial and legacy aspects still need to be addressed. Today Troy, whose own father died when he was three, addresses what needs to happen if a spouse passes away early, and how proper planning can help make this transition go as smoothly as it can under the circumstances.…
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Today's show takes a look at a recent settlement of the estate of singer Aretha Franklin, who didn't leave a formal will but a jury decided from two handwritten notes which one would act as her final wishes, pitting one of her three sons against the other two. Alan and Troy discuss why legacy planning is important, as well as getting over any trepi…
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Retiring often means getting rid of a lot of things in order to perhaps move to a smaller living space, or just to declutter because you didn't have time when you were working. Today Alan and Troy talk about downsizing and organizing all the financial statements and accounts you may have and put them together into one written financial plan that ca…
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The go-go years, the slow-go years and the no-go years are the common nicknames for the three stages of retirement, each lasting roughly a decade. Alan and Troy look at each of these stages, how people generally hope to live in each and how their money needs to work properly for them in each as well.…
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The long time host of the popular TV game show Wheel of Fortune, Pat Sajak, recently announced he is retiring. This provides a starting point for a discussion by Alan and Troy about how to plan for a retirement which could last as long as your working career. Later in the show the guys revisit how to put together a five star retirement plan to cove…
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Protected income is money coming in outside of Social Security that is guaranteed, and more families are turning to these types of strategies according to a recent study. Alan and Troy discuss the types of financial vehicles that can produce protected income and how they may fit into any individual retirement plan.…
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Complacency is something many Americans practice, especially when it comes to finances. That is just one of several habits to break according to Alan and Troy, along with so-called lifestyle creep as well as not planning for future taxes. These and other things must be taken into account for anyone's retirement to be successful from a financial sta…
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It isn't pleasant, but planning for a worst case scenario, such as a major health event or the death of a spouse, is necessary. Alan and Troy talk about how proper planning can cover some of the catastrophic costs associated with things like long term care or other major health care costs.Kirjoittanut Alan Mercurio
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Sometimes just small tweaks can improve a lot of things, including a retirement plan. Today Alan and Troy talk about how making marginal gains in any one area can improve your plan and how an advisor can help make that happen. They also talk plans for summer travel for the coming season.Kirjoittanut Alan Mercurio
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Alan and Troy discuss issues such as letting lifestyle creep sink in, along with procrastinating and putting off getting a retirement plan put together and others that could put a major crimp into potential retirement desires. They also look back at the upcoming rush of Generation X members coming into retirement and how planning now will help thei…
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Alan and Troy talk about things you need to determine as you begin the planning process, including what an individual or couple want to accomplish in retirement, and then work toward applying the financial goals to help make it happen. Later in the show they look back at risks in retirement planning.…
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Your retirement savings has to cover a lot of things - rising health care costs, inflation in general, taxes, emergencies, the works. It can be a challenge to make sure it's all taken care of. Today Alan and Troy discuss what you can do in your plan to see that these areas are properly planned for.Kirjoittanut Alan Mercurio
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Every retiree would like to be able to do this - keep as much income in their own pocket as possible. But it's not that easy with inflation, taxes and other considerations. Today Alan looks at ways in which a solid retirement plan can help you keep more of your own money by being efficient with your expenses.…
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Today Alan goes over four areas that are not entirely known when someone is getting ready for retirement, such as how long one might live, or the cost of health care - and definitely future market performance. And throw taxes in there and - well, there is a lot to plan for any and all scenarios. Alan goes over how the Retirement 360 Game Plan takes…
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Alan and Troy are back to discuss various risks that your retirement plan could be subjected to, including rising taxes, longevity or not being adequately prepared. They also look at some upcoming dates for seminars and their short courses at the University of Louisville's Shelby Campus.Kirjoittanut Alan Mercurio
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When can I retire? Have I saved enough? Will my money last? Will my loved ones be okay if something happens to me? These are four important questions future retirees ask, and today Alan and Troy address them and how the Retirement 360 Game Plan can help determine the answers for each individual or couple looking at post-working life.…
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