The Retire Happy Podcast

We're excited to have Andy Ives, CFP®, AIF®, back on the podcast with us this week. Andy is an IRA analyst at ED Slott and Company LLC. He joins us to talk about avoiding costly mistakes with your retirement funds. Tune in as we talk about Net Unrealized Appreciation (NUA) opportunities, Roth conversions, the age 55 exemption, and much more! Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

In today's episode, we're going to focus on relocating in retirement. In hot real estate markets like California, New Jersey, and New York, we've witnessed a significant trend of homeowners making moves to more affordable and tax-friendly states, or simply looking to downsize. To help us tackle this topic, we've invited a seasoned realtor and good friend, Melissa Bevacqua, to join the conversation. If you're contemplating a move, especially in your retirement years, stick around for some invaluable insights! Get in touch with Melissa Phone: 201-317-3940 Email: BevacquaRealEstate@gmail.com Melissa on Instagram: https://www.instagram.com/bevacqua.realestate/ Melissa on Facebook: https://www.facebook.com/BevacquaRealEstate/ Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

In today's episode, we're shifting gears to focus on the often misunderstood realm of 401(k) management. Joining us is Mr. John Blamphin, the Director of Operations and Research at Retirement Management Systems. John, a seasoned CFP® and AIF® with over 31 years of industry experience, is here to talk about the complexities of 401(k) taxation, target date funds, asset allocation, and more. We'll explore the vital role of personalized strategies in navigating retirement accounts, and discuss how RMS stands out with its active management approach, quarterly reviews, and thorough risk assessments. Episode Resources: RMS INC. https://manage401k.com/ RMS Client Brochure https://pdf.ac/oJ0Ri Why Savings Plan Management https://pdf.ac/1HE9Dz Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

In today's episode, we're excited to chat with Dean Zayed, the CEO and founder of Brookstone Capital Management. Our partnership with Dean has significantly influenced our careers and benefited our clients. Tune in as we discuss the unique financial strategies that distinguish Brookstone in the industry and talk about the power of collaboration and advisor education, while looking ahead to the future. Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

We're kicking off 2024 with none other than Brookstone Capital Management's Chief Investment Officer, Mark DiOrio, CFA. With the new year unfolding and market speculations flying high, everyone's ears are tuned in to the diverse predictions echoing across the financial landscape. Having steered Brookstone's investment ship for the better part of a decade, Mark is here to share his insights on the current economic landscape. Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

The consequences of misunderstanding Social Security can be dramatic. That's why we're bringing in the best of the best to help you understand its complexities.Bill Rainaldi, the Senior Financial Services Consultant for Security Mutual Life Insurance Company, stands as the leading authority on all things Social Security. Join us as we demystify Social Security, uncover strategies to maximize your benefits, and discuss common mistakes people make surrounding this important benefit. You can find the Social Security scam alert document here Check out Bill's podcast: https://smlny.com/smlpodcast/ Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

Bob Shalongo is the Vice President of Sales at Coastal Financial Group. The open enrollment period for Medicare is once again upon us, so we thought it would be a perfect time to invite Bob to the show. Bob will discuss the different types of Medicare plans that are out there and what criteria to look out for when selecting a plan. Episode Links Coastal Financial: https://www.coastalfinancialgroup.com/ Medicare Quick Reference Guide: https://bit.ly/3tNakD4 Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

Navigating the vast realm of health advice can be daunting. Enter Rachel Fox, a Certified Health Coach and the visionary behind Rachel Fox Health. Her mission is to help her clients simplify their health and show them how to live a sustainable, healthy lifestyle. John and Tom will talk to Rachel about how she approaches health and wellnesss in her coaching and some tips when building a macronutrient based diet. Any information shared or discussed in this podcast is not intended to be medical advice, nor is it meant to treat or diagnose disease. This is for informational and educational purposes only. If you have specific questions regarding your health, please consult your healthcare provider. For more information on her virtual 1:1 coaching program and wellness philosophy, visit her website at https://rachelfoxhealth.com or follow along on IG @rachelfoxhealth. Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

Dr. Chris Stepien is the Founder of Barefoot Rehabilitation Clinic. In his practice, Dr. Chris uses a variety of different techniques with the mission to permanently reduce his clients' pain. It is important that we take care of our bodies as we age so that we are able to continue to do the things we enjoy. John and Tom will talk to Dr. Chris about the best ways for people in retirement to stay physically active and why it is crucial for people to maximize their fitness today. Learn more about Dr. Chris: https://www.barefootrehab.com/ https://www.advancedptwellness.com/ Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

Audrey White is the co-author of the new book Grief Coaching: Paving a Path From Pain To Peace, which will be released this fall. She is also the CEO of the Grief Coach Academy. Through her expertise in dealing with life setbacks, grief, and stress, Audrey has helped countless individuals find hope and healing during times of trauma and loss. In this episode, John and Tom will talk with Audrey about handling grief, and how to recover from the loss of a loved one in your retirement years. Learn more about Audrey: Email- audrey@griefcoachacademy.com https://audreylaurawhite.com/about/ https://www.tiktok.com/@griefcoachacademy https://www.instagram.com/griefcoachacademy/ Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

Larry Jacobson is the Founder of Buoy Coaching. His business helps professionals transition into retirement, putting an emphasis on their purpose and helping them form a new identity for this next stage of life. In this episode, John and Tom will discuss how Larry's coaching program works, pursuing personal growth and passions in retirement, staying mentally and physically healthy, and much more! More about Larry + his special offer of 3 FREE gifts & more! https://LarryJacobson.com https://larryjacobson.com/3-free-gifts/ Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

In the complex world of retirement planning, there are countless pitfalls one could fall into. In this episode, we've distilled it down to what we believe are the top 20 mistakes to watch out for. Avoiding these crucial missteps can have a significant impact on the success of your retirement plan. So, join us as we delve into these key issues and learn how to navigate them effectively when it's your turn to plan for retirement. 1. Ignoring the future tax implications of your retirement savings. 2. Starting Social Security too early. 3. Focusing on returns instead of income during retirement. 4. Being too aggressive or too conservative. 5. Taking advice from friends and family on how to invest. 6. Not diversifying investments. 7. Procrastinating saving for retirement. 8. Not having a clear retirement goal. 9. Relying solely on employer-sponsored retirement plans. 10. Inability to adjust your investment strategy as you approach retirement. 11. Withdrawing from retirement accounts too soon. 12. Ignoring long-term care costs. 13. Not adjusting your retirement budget for inflation. 14. Overlooking the importance of estate planning. 15. Failing to regularly review and update your retirement plan. 16. Ignoring healthcare expenses. 17. Not paying off high-interest debt before retirement. 18. Assuming you won’t live a long time. 19. Poor communication between spouses about money. 20. Forgetting about sequence of returns risk. Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

Paul Greenwood is the Founder of the Greenwood Law Corporation. His company provides educational training to professional agencies and offers consulting and expert witness services to attorneys who are litigating elder abuse cases. Before opening his own business, Paul served as the San Diego District Attorney for 25 years. Elder abuse is unfortunately very common in our society, which is why being informed is crucial. John and Tom will talk to Paul about common elder abuse scenarios and what red flags to look out for. Episode Resources: https://cslb.ca.gov/ https://www.aarp.org/money/scams-fraud/about-fraud-watch-network/ https://www.bbb.org/ Connect with Paul: Email: paul@greenwoodlawcorp.com Website: https://www.greenwoodlawcorp.com/ Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

Devin Kropp is the Associate Editor at Horsesmouth. In her role, Devin helps advisors market their material and also creates material all around cybersecurity. John and Tom will talk with Devin on some of the common scams she sees and how to keep your online accounts protected. Check out Devin's book, Hack-Proof Your Life Now! https://amzn.to/3J9f2z0 Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

Erin Kennedy is the Director Of Communications at Brookstone Capital Management. Erin helps advisors make their messaging clear, effective, and concise in order to help them educate their clients. John and Tom will talk about how Erin has helped them in both of their practices and her own financial education journey since beginning her role at Brookstone. Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

The SECURE Act 2.0 was recently passed and this bill presents some big retirement changes. We thought this was a perfect opportunity to invite back Ed Slott to the show to discuss how IRAs will be impacted going forward. Important Info: The Great Retirement Debate: https://greatretirementdebate.com/ Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

2022 presented some unique challenges for the United States economy. We witnessed high inflation numbers, market volatility, and rising interest rates just to name a few. We invite back Mark DiOrio on today's show to discuss how these challenges might affect us going into 2023 and why it is crucial to have a strategy in place when the market goes down. Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

As 2022 comes to a close, we wanted to take a look back on what has happened this year. John and Tom will be discussing some positives that have occured in their practice, how they've helped their clients this year, and their plans for 2023. Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

Steve Cain is the Sales and Business Development Leader with LTCI Partners. Steve has over 20 years of experience in the Insurance and Fianncial Services. His focus at LTCI Partners is leading his sales team and maintaing relationships with institutions that offer long term care products. John and Tom will be talking to Steve about the different types of long term care products that are offered, considerations you should make when choosing a plan, and why it is crucial to be an informed consumer in this space. Important Info: Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623

Kathryn Alexander is the Director of Operations at Comfort and Peace Hospice. Kathryn decided to pursue this career path after having a couple experiences in the hospice side of healthcare with her own family members. John and Tom will talk to Kathryn about who qualifies for hospice, what care they provide, and how to find a team that fits the family's needs. Important Info: Medicare Website: http://medicare.gov Amanda's Email: amandafelix@pacs.com Securus Financial: https://www.gosecurus.com/ International Financial Advisory Group: https://www.internationalfinancial.com/ Call John: (858) 935-6210 Call Thomas: (973) 394-0623