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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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show series
 
You need the right tools for various things around the house - and you also need the right financial tools for a solid retirement plan. Today Alan and Troy talk about what some of those tools are, including instruments to provide income like Social Security and more. They also discuss their Retirement 360 Game Plan, which puts all the elements toge…
 
Pension plans in the Louisville area may see reduced payout rates come the start of December, and you may have options now that could benefit you. Alan and Troy discuss how the current rate changes affect these plans and what you can do to maximize your benefits. They also look at five important retirement general questions.…
 
For years the 60-40 rule was applied to stock portfolios for income, with a mix of 50% stocks and 40% bonds. But in this environment with stocks in bear market territory and bonds falling as interest rates rise, neither one is providing the performance necessary for retirement income. Today Alan and Troy look at how this happened, and make suggesti…
 
Planning for taxes, income and health care/long term care are the three hot button topics when it comes to retirement planning. Today Alan and Troy discuss these areas and strategies you can use when putting a retirement plan together to make sure these important areas are covered.Kirjoittanut Alan Mercurio
 
When retirement time comes, it may also be time to get rid of things you have held onto for years that may not serve a purpose, or are no longer needed. Today Alan and Troy discuss this process and how to organize financial records that need to be kept to be sure they are available. It also comes in handy when making a retirement financial plan and…
 
For people who own a small business, retirement is a trickier proposition, especially when they are putting extra money back into the business instead of into retirement savings. Today Alan and Troy discuss options available for small business owners, whether it be a savings plan developed specifically for small business or a succession plan to det…
 
Inflation is one of the biggest topics of the year in the financial world, and it is affecting people's retirement plans. Alan and Troy have tips on how inflation can be accounted for in a retirement plan as well as how to save more to be sure funds are there to help cover higher future costs.Kirjoittanut Alan Mercurio
 
First, Troy looks at the summer travel season and how people's plans may have changed due to the economy and inflation right now. Then Alan looks back at how retirement planning is different now than it was even 30 or 40 years ago, and the different savings vehicles and options available to help the money you've saved provide you with what you need…
 
Today Alan address the coming "Peak 65" when more people will turn age 65 than at any point in U.S. history and what it can mean for those who are planning for retirement. Troy and Alan also address other headlines as well as their State of the Economy seminar on July 14 with two outstanding guest speakers.…
 
In the opening segment Troy looks at some headlines as well as promoting some major events Mercurio Wealth Advisors will host in the coming weeks. Then Alan revisits the subject of retiring in today's changing environment with few pensions and longer lifespans, and how a written income plan can help make your retirement dollars last so they can pro…
 
There are a lot of things to know about Social Security - taking it at a random time just because you want to could actually cost you thousands of dollars over your retirement lifetime. Today Alan talks about how you can make the right decisions and get the most of your benefits.Kirjoittanut Alan Mercurio
 
The baby boomer generation is in the midst of its retirement years now, but Gen Xers are not far behind. Today Alan takes a look at what folks in their 40s and 50s - as well as boomers in their 60's - should be doing to get their financial plans ready for their retirement years.Kirjoittanut Alan Mercurio
 
Troy begins the program by talking about his background in financial services and how he became involved with Mercurio Wealth Advisors. Then Alan discusses how retiring in today's financial environment is so much different from just a few years ago, especially in regards to how the reduction in pensions and the rise of 401Ks and other self funded i…
 
The IRS tax code consists of over 70,000 pages - and it changes regularly. And they leave it up to you to make sure the return you send them annually is correct. Today Alan talks taxes and how important it is to not only get things right this year, but also how tax planning for the future can potentially save you hundreds of dollars or more that yo…
 
After some weekly headlines Alan looks at how you can give your financial situation a so-called spring cleaning. It's a good time of year to take a look at your situation and statements, and have a discussion with a financial professional about the best way to use them in a solid retirement plan, or to go over your current plan and update anything …
 
After Troy looks at current financial headlines, Alan takes a look at the various challenges women face in retirement, especially given that they are likely to outlive their spouse or partner and still have income needs after they are gone. He outlines some of the strategies and planning that can apply to a woman's unique situation so money will co…
 
People get spooked by stock market volatility, but a good retirement plan takes these roller coaster rides into account. Alan takes a look at what planning can do to protect assets that provide income while mitigating the risk concerning the money that is still invested for long term growth.Kirjoittanut Alan Mercurio
 
If you are a small business owner, you may not have considered a retirement plan, or a way to transition the business going forward when it comes time to stop working. Today Alan discusses the many ways that a small business owner can set themselves up for retirement even if they don't have much in the way of actual savings for it.…
 
What is it like to come into a financial planning office? Today Alan takes you through that experience with Mercurio Wealth Advisors, from the moment you first make contact through the process of putting a Game Plan together all the way through implementing that plan once it is agreed upon.Kirjoittanut Alan Mercurio
 
As you get close to retirement, you have IRA and 401K accounts that have built up a lot of money. But unless they are Roth accounts, they also could come with big tax obligations. Alan goes over how taxes are paid in these accounts and gives you ideas on the most efficient strategies to use in accessing these funds so you end up with the least amou…
 
Today Troy discusses current financial headlines and topics, then Alan revisits the Retirement Construction Zone, and speaks to how a solid retirement financial plan is, well, constructed, using the specific ideas that an individual has in mind for that time of life to put together a customized plan to meet those needs.…
 
Automated programs designed to help you with a retirement plan have been the rage in recent years - but can they do everything a human advisor can? Alan takes a look at both sides of that issue, and how human advisors can help customize a plan in ways a robo advisor isn't designed to do.Kirjoittanut Alan Mercurio
 
Today Alan takes a look at wealthy people and how they may - or may not - have the best plans for their later years. Especially when it comes to legacy planning and how the estates of entertainers like Prince and Aretha Franklin - neither of whom had a will at their death - had court issues before they were settled, much to the detriment of those l…
 
It's one of the cornerstones of any retirement income plan - Social Security. But the rules surrounding it can be tricky when it comes to claiming benefits. Today Alan discusses how choosing the right time to claim them can lead to more money for your retirement, and how making the wrong decision can cost you big.…
 
Having some cash available on an immediate basis is necessary in any good plan, but interest rates at the bank are very low so it doesn't earn much. Alan talks about having the balance between how much to have in available cash and having the rest in other instruments for whatever your plan requires.…
 
After a segment on Black Friday spending, Alan and Troy discuss legacy planning, and the importance of laying out everything needed to be sure that assets are passed down not only in accordance with the wishes of the retiree, but also done so in the most tax efficient way possible so that those left behind are not burdened with further issues.…
 
The go-go years, the slow-go years and the no-go years - those are the nicknames for the three phases of retirement, where you are more active at first, then less and less so as you get older. Alan discusses what your money needs to do during each phase and how proper planning helps make sure it is available.…
 
Putting a solid retirement plan together is like building a house - you need a strong foundation, sturdy walls and a great roof for protection. Alan and Troy discuss what goes into each of these areas when it comes to retirement planning, and how the Retirement 360 Game Plan helps put the right things together for your situation.…
 
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