Parhaat Retire Ready Podcastit (2024)

1
9 Misconceptions About Roth Conversions 18:40

7d ago18:40

18:40

In this episode, Kolin and Kyle discuss nine misconceptions about Roth conversions. They debunk the idea that Roth IRAs are always better than IRAs, explaining that the choice depends on individual circumstances. They also emphasize the importance of comprehensive tax planning and caution against winging it or converting large amounts without a str…

1
Taking Action: Proactive Steps for Financial Success 19:51

6d ago19:51

19:51

The conversation discusses the opportunity to capitalize on high interest rates before and during retirement. Then, the importance of refinancing retirement plans to take advantage of higher rates. Steve shares examples of how individuals can benefit from refinancing annuities and highlights the need for proactive action. The conversation also addr…

1
We Have $1.7 Million, How Much Can We Spend In Retirement? 17:24

14d ago17:24

17:24

In this episode, Kyle and Kolin discuss a case study of a married couple near retirement. The couple plans to retire in 12 months and has a planning life expectancy of 90 for the wife and 85 for the husband. Their primary insurance amount for Social Security is $2,800 and $2,200 per month. They have a net essential spending goal of $6,000 per month…

1
The Negative Perception of Annuities 14:58

13d ago14:58

14:58

Takeaways: Many retirement savers are concerned about outliving their assets and are considering annuities as a source of guaranteed income. There is a lack of interest in annuities among clients, despite their desire for safer portfolios and income protection. The word 'annuity' has a negative connotation in the industry, but it offers stability a…

1
3 Withdrawal Strategies For Retirement Income 19:23

21d ago19:23

19:23

Summary In this episode, Kyle and Kolin discuss three common retirement portfolio income strategies: spending portfolio income, the 4% rule, and risk-based income guardrails. They explore the pros and cons of each strategy and provide examples to illustrate their application. The conversation delves into the nuances of each strategy, highlighting t…

1
Unlocking Guaranteed Retirement Income 18:15

20d ago18:15

18:15

With many Gen Xers in their late 50s, it's critical to shift from potential savings to guaranteed income plans. Steve shares his old-school approach to stabilizing retirement income and explains why your current retirement plan might just be a paper promise. Discover how to create real, reliable cash flow, explore the surprising benefits of rolling…

1
Sequence of Returns Risk With Investing Near/In Retirement 20:46

28d ago20:46

20:46

This episode goes into the intricacies of investing in retirement, focusing on long-term S&P growth, sequence of returns risk, and bucket approaches. It emphasizes the impact of market volatility on retirement income and the importance of strategic investment decisions. The episode concludes with a call to action for seeking professional advice. Ta…

1
DIY Home Repairs Gone Wrong & How to Safeguard Your Retirement 19:11

27d ago19:11

19:11

Steve draws parallels to retirement planning, emphasizing why it's crucial to get expert advice rather than going it alone. Steve shares valuable insights on navigating the complexities of retirement, including the benefits of income annuities as a hedge against potential Social Security shortfalls. Call Steve today at 508-544-0560 to learn how to …

1
Your Retirement Calendar

1M ago

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Don't wing it! In this episode we break down a step-by-step plan to map out your ideal retirement timeline, from maximizing your savings now to navigating Social Security and beyond. Get ready to turn your retirement dreams into a clear and actionable roadmap.Kirjoittanut Rob Kirvan

1
DIY Home Repairs Gone Wrong: The Hidden Dangers and Smart Retirement Planning Tips 19:11

1M ago19:11

19:11

Transitioning from home safety to financial security, the episode dives into why retirement planning is not a DIY project. Steve discusses the complexities of retirement strategies, the challenges of navigating annuities online, and how to create a reliable income plan to ensure you don't outlive your savings. With insights on Social Security's unc…

1
Investing Near & In Retirement 18:09

1M ago18:09

18:09

Summary In this episode of the Retire Ready podcast, Kolin and Kyle discuss investing in and near retirement. They start by explaining the difference between accumulation and decumulation phases and the importance of focusing on decumulation as retirement approaches. They then dive into the concept of 'naked investing,' where many people invest wit…

1
Crypto Craze

1M ago

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We explore the risks and possible rewards of crypto currency, and unpack what it means for the future of cryptocurrency. Join us as we decipher the Crypto Craze!Kirjoittanut Rob Kirvan

1
Ensuring Your Retirement Funds Last 17:31

1M ago17:31

17:31

With many living well into their 90s and even celebrating 100th birthdays, the need for robust financial planning is more urgent than ever. Steve shares insights on the importance of reliable income streams, the role of Social Security, and innovative strategies to ensure your 401(k) doesn't fall short. Will your money last as long as you do? Find …

1
Paying Taxes Now vs Paying Taxes Later 25:51

1M ago25:51

25:51

Summary In this episode, Kolin and Kyle discuss steps five and six of a tax-efficient retirement plan. Step five involves deciding whether to pay taxes now or later, considering factors such as income levels, deductions, and retirement account contributions. Step six focuses on the ongoing management of the plan, including diversifying income sourc…

1
How Much Money Do I Need to Retire?

2M ago

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Feeling lost about retirement savings? This episode tackles the age-old question: how much money do you REALLY need? We'll explore different factors affecting your retirement nest egg, from lifestyle goals to healthcare costs. Tune in for actionable tips to get you on track for a financially secure future.…

1
Steve Joins Howie Carr on the Meet Experts Podcast! 25:10

2M ago25:10

25:10

Steve recently had the opportunity to be a guest on Howie Carr's new podcast, " Meet The Expert Podcast". In this interview with radio legend Howie Carr, Steve sheds light on the ever-changing landscape of retirement planning. From navigating the pitfalls of inflation and taxation to optimizing Social Security benefits and legacy planning, Steve of…

1
What's Your Legacy? with Jay Guerin

2M ago

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In this episode Rob welcomes back Jay Guerin president of Gradient Life Brokerage to discuss how to insure your legacy.Kirjoittanut Rob Kirvan

1
Maximizing Retirement Spending & Minimizing Your Overall Tax Bill 20:10

2M ago20:10

20:10

Summary In this episode, Kyle and Kolin discuss steps three and four of a tax-efficient retirement plan. Step three focuses on understanding the order of withdrawals, which involves categorizing money by tax impact and developing a withdrawal strategy. The goals of a withdrawal strategy include maximizing retirement spending, minimizing taxes, enha…

1
Challenges of Retiring Early 16:43

2M ago16:43

16:43

Delve into the complexities of early retirement planning as the discussion unpacks its hurdles and intricacies. From the looming specter of boredom to the daunting realities of financial depletion and soaring healthcare expenses, no stone is left unturned. Emphasis is placed on the critical necessity of crafting a robust financial blueprint capable…

1
Life Insurance Strategies with Jay Guerin

2M ago

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In this episode we explore the world of life insurance. We'll break down the different types of policies, discuss how to determine your coverage needs, and explore strategies to maximize your benefit while keeping costs manageable. Tune in and learn how life insurance can be a valuable tool to protect your loved ones' financial future.…

1
The 3 Tax Buckets In Retirement 22:04

2M ago22:04

22:04

Summary In this episode, Kyle and Kolin discuss the three tax funnels that can be used to build a tax-efficient retirement plan. The first funnel is the tax later bucket, where contributions are made with pre-tax dollars, such as employer plans and IRAs. Distributions from this account are taxed as income. The second funnel is the tax now bucket, w…

1
The Role of Annuities in Retirement Income Planning 17:30

2M ago17:30

17:30

Takeaways from todays episode: Focus on balance and living within your means in retirement planning. Income and cash flow are crucial in retirement, including Social Security and pensions. Avoid emotional reactions and focus on long-term strategies when investing in gold and the stock market. Consider annuities for retirement income planning. Take …

1
Inflation Nation

2M ago

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In this episode we break down the effects of inflation, from its impact on your grocery bill to how it affects your investments, the markets and long-term savings. Join us for tips on managing your finances in an inflationary environment.Kirjoittanut Rob Kirvan

1
Understanding Provisional Income & How It Affects Taxes On Your Social Security 20:02

2M ago20:02

20:02

In this episode, Kolin and Kyle discuss step number one of a tax-efficient retirement plan: provisional income. Provisional income is used to determine whether a portion of your Social Security benefits are taxable. The four components of provisional income are non-taxable interest, ordinary income, dividends and capital gains, and half of the hous…

1
Securing Your Retirement: Strategies to Navigate Financial Literacy Gaps 18:11

2M ago18:11

18:11

In this episode, Steve takes a dive deep into the pressing issue of retirement savings in America. With staggering statistics revealing that one-third of Americans have no retirement savings and 40% don't contribute to any retirement fund, the hosts shed light on the importance of financial literacy. Steve, known as Cape Cod's retirement income spe…

1
Maximize Your Social Security

2M ago

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This episode dives into Social Security optimization. We'll explore how to work the system for bigger checks, from maximizing your working years to strategically delaying benefits. Tune in and learn how to get the most out of your retirement income.Kirjoittanut Rob Kirvan

1
The 6 Steps To A Tax-Efficient Retirement Plan 24:42

3M ago24:42

24:42

Summary In this episode of the Retire Ready Podcast, Kolin and Kyle discuss the importance of tax planning in retirement. They highlight the underappreciation of tax planning by pre-retirees and their financial advisors, and emphasize that the lack of tax planning can result in paying more taxes than necessary. The hosts provide six steps to buildi…

1
The key to a proactive retirement plan 16:30

3M ago16:30

16:30

In this episode Steve discusses the importance of proactive retirement planning, especially in a politically charged environment. He addresses common concerns about the future of the economy and taxes, and explain why a "wait and see" approach can be risky. Here are some of the key takeaways you'll learn in this episode: The benefits of reviewing y…

1
Hiring A Financial Advisor: The 6 Biggest Mistakes to Avoid 19:20

3M ago19:20

19:20

Summary In this conversation, Kyle and Kolin discuss the mistakes people make when hiring a financial advisor. They highlight 6 key mistakes and provide advice on how to avoid them. The mistakes include ignoring the importance of tax planning, not having a strategic investment plan, confusing fee-based and fee-only advisors, focusing on investments…

1
Inside the Fairway Family: Financial Planning & Emotional Investing Insights 9:56

3M ago9:56

9:56

Discover what it means to be part of the Fairway family and how Steven's blue-collar roots shape his white-collar financial strategies. From managing emotions in market fluctuations to decoding retirement complexities, Steve shares invaluable insights honed over three decades in the industry. Learn why keeping emotions in check is key to successful…

1
All About Roth IRAs

3M ago

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Tune in to today's episode, "All About Roth IRAs"! We'll break down the benefits of Roth IRAs, like tax-free growth and withdrawals in retirement. We'll also discuss eligibility requirements and contribution limits so you can decide if a Roth IRA is the right fit for your financial goals.Kirjoittanut Rob Kirvan

1
Demystifying Tax Returns: What You Need to Know 9:49

3M ago9:49

9:49

In this episode, we unravel the mystery surrounding tax returns and shed light on common misconceptions. Join us as we dive into a recent case where a celebrity guest found himself in hot water for neglecting to file his tax returns. Discover why ignorance of tax laws is no excuse and why assuming someone else will handle your taxes is a risky gamb…

1
7. The Best Retirement Account? 16:56

3M ago16:56

16:56

Resources and show notes to follow shortlyKirjoittanut Scott Sather

1
The Oldie-Wed Game!

3M ago

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In this very fun episode, Rob welcomes his wife and business partner, Natalie Kirvan to the show! We play our own version of the Newlywed Game where Rob and Natalie have to answer questions about each other.Kirjoittanut Rob Kirvan

1
Maximizing Retirement Wealth: Should You Rollover Your 401K to an IRA? 9:20

3M ago9:20

9:20

Join Steve as he delves into the crucial decision of whether to rollover your 401K to an IRA. With insights from financial experts like T Rowe Price's Roger Young, discover the benefits and considerations of this pivotal retirement move. Learn how an IRA offers greater investment flexibility and control over distributions, while also exploring the …

1
Retirement Income Security with Special Guest Troy McCrady

3M ago

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This episode dives into securing your golden years. We welcome special guest Troy McCrady from Gradient Financial to talk about tips to help fortify your nest egg and achieve financial peace of mind in retirement.Kirjoittanut Rob Kirvan

1
Overcoming Retirement Spending Fear 6:29

4M ago6:29

6:29

In this enlightening episode, Steve shares insights from their decades of experience, emphasizing the importance of diversifying income streams and creating a guaranteed peace of income. Learn how innovative financial products can provide lifelong income security, offering retirees the confidence to enjoy their golden years without financial worry.…

1
Market Update with Keith Gangl

4M ago

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Having a strategy in place to handle and uncertain market and economy is important. In this episode we welcome Gradient Investments Portfolio Manager Keith Gangl to talk about where the markets are at, where we might be headed and the various investment options that available.Kirjoittanut Rob Kirvan

1
6. The Value of Advice with Dr. Preet Banerjee 28:25

4M ago28:25

28:25

In this episode we’re joined by Dr. Preet Banerjee to discuss his recent doctoral thesis that sheds light on the value of financial advice Links and resources from today's episode: Preet Banerjee Website The Thesis: A multi-dimensional analysis of the value of financial advice to households in Canada Publications: Globe & Mail Money Sense LinkedIn …

1
Cracking the Code: Understanding the New Middle Class Dilemma 7:53

4M ago7:53

7:53

Steve debunks common misconceptions surrounding retirement savings targets and Social Security concerns while emphasizing the importance of personalized financial strategies. From debt reduction to exploring alternative retirement solutions, they empower listeners to take control of their financial future with confidence and clarity. As the politic…

1
Elections and Your Portfolio

4M ago

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Wondering how the upcoming election might impact your investments? In this episode, we'll explore the historical performance of the market during elections, discuss strategies to manage emotional reactions, and emphasize the importance of a long-term investment plan. Tune in and gain confidence navigating your portfolio through election season.…

1
15 Years of Service: Heroes in Transition's Impact on Local Veterans 15:41

4M ago15:41

15:41

Steve and Fairway Financial are heavily involved in the community. One of Steve's favorite charities is Heroes in Transition. Today, Steve welcomes special guest Cindy Jones, the founder of Heroes in Transition. Celebrating its 15th year of service, Heroes in Transition has been dedicated to supporting local veterans and service members on Cape Cod…

1
Financial Studio Kick-off

4M ago

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Welcome to the new and improved Ready Aim Retire show! Now on video on YouTube and as always available as a podcast on all the major podcast sites. In this episode Rob shows off his new studio and offices and talks about all the new topics and guests that will be featured in upcoming episodes.Kirjoittanut Rob Kirvan

1
5. Your Finding an Advisor Questions Answered 16:55

4M ago16:55

16:55

In today’s episode is part 4 of a 4-part series on financial advice and what to look for in an advisor. Today we’re going to answer your questions. A big thanks to those who have shared their questions with me, you can as well if you have any suggestions for topics or guest speakers for the podcast or just general questions, by emailing me at info@…

1
Diversifying Income Streams: Building Your Financial Future 11:15

4M ago11:15

11:15

Learn why having multiple sources of income is essential for weathering economic fluctuations and safeguarding your financial future. Steve emphasizes the pitfalls of relying solely on traditional retirement accounts like 401(k)s and underscores the importance of creating diverse income streams to mitigate risks. Furthermore, explore the disconnect…

1
4. Advisor Fees 18:40

5M ago18:40

18:40

4. Advisor Fees In this episode we discuss what options are out there, what is a fair or reasonable fee to pay your advisor, and which of the options makes the most sense for you. Links from today's episode: Financial Planning Association of Canada (FPAC) Pro Bono Directory: https://www.fpassociation.ca/305565/Page/Show?ClassCode=Page&Slug=pro-bono…

1
Babe Ruth's Annuity: Lessons in Financial Legacy 7:29

5M ago7:29

7:29

Discover how Babe Ruth's forward-thinking decision to purchase an annuity in 1923 paved the way for financial security during his retirement, offering valuable insights for today's investors. Steve explores the enduring relevance of annuities as a source of guaranteed income, drawing parallels between Babe Ruth's investment strategy and modern reti…

1
Sleeping on Savings: Napping, 401Ks, and Annuities Explained 12:21

5M ago12:21

12:21

Discover startling statistics about Americans' lack of awareness regarding their 401K fees and investment risks. Steve sheds light on common misconceptions surrounding retirement planning, including the myth that a 60/40 investment split guarantees safety for your retirement savings. In this episode, you'll also learn about the power of annuities i…

1
3. The Alphabet Soup of Advisor Titles & Designations 10:15

5M ago10:15

10:15

3. The Alphabet Soup of Advisor Titles & Designations In this episode we talk about the titles and designations/certifications that advisors use and which ones should matter to you on your search for a real financial planner/advisor. Links from today's episode: IIROC Understanding Certifications: https://www.iiroc.ca/investors/learning-basics-and-p…

1
Decoding Financial News: Why You Can't Trade on Predictions 8:16

5M ago8:16

8:16

In this episode, inspired by insights from Jordan Belfort, the real "Wolf on Wall Street," the hosts explore the futility of trying to trade based on news and predictions. As we enter 2024 with ominous forecasts of a market crash, Steve emphasizes the unpredictability of the future. They share valuable advice on diversification, especially for thos…

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