Retirement: Harder Than It Looks

Episode 138: Tom Hegna, CLU, ChFC, CASL

Release Date: 04/12/2023

Description: In this podcast episode, 138, host Gary Heldt interviews Tom Hegna, CLU, ChFC, CASL,, a well-known economist and retirement income expert. They discuss the importance of having guaranteed income in retirement and the potential risks of relying solely on investments. Tom emphasizes the benefits of delaying Social Security benefits and how it can increase your long-term income. Tom also talks about the importance of having a financial professional in your arsenal and recommends utilizing free webinars and resources to educate yourself on retirement planning. Here are the key takeaways: Having guaranteed lifetime income can improve your portfolio performance, increase your happiness, and potentially allow you to live longer. Delaying Social Security benefits can increase your long-term income, especially for the breadwinner in a couple, as it covers both lives. It's important to consider the health of both partners in a couple when deciding on when to take Social Security benefits. Working with a financial professional and utilizing free webinars and resources can help educate you on retirement planning and make informed decisions. As tax rates are potentially going up, it's important to consider how this will impact your retirement income and plan accordingly. Tom Hegna, CLU, ChFC, CASL, is a renowned author, speaker, and economist who has delivered over 5,000 seminars to Baby Boomers and seniors on how to retire the optimal way. He is considered by many to be THE Retirement Income Expert and is a former Senior Executive Officer at New York Life, retired Lieutenant Colonel, and economist.  Tom has authored five books, including Paychecks and Playchecks: Retirement Solutions for Life, Retirement Income Masters: Secrets of the Pros, Paycheques and Playcheques, Retirement Solutions for Canadians, and Don’t Worry, Retire Happy! Seven Steps to Retirement Security. He specializes in creating simple and powerful retirement solutions based on math and science, not opinions. Tom is available to speak globally to businesses, government organizations, professional associations, financial professionals, and their clients. Tom’s website:  LinkedIn: https://www.linkedin.com/in/tomhegna/ Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices

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Uncommon Sense

Release Date: 05/24/2018

Description: In this episode of Retirement Income Solutions, we'll help you understand the importance of non-correlated income. Later, we'll go over uncommon sense - pieces of advice that sound common but are rarely seen in practice.

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The Safe Money Retirement Guy Show – Episode 31 – Underliving Your Retirement

Release Date: 05/30/2024

Description: Introducing the concept of fixed indexed annuities, Bill offers a solution that provides opportunities for market-based gains without risking losses. He highlights the importance of safeguarding retirement income against longevity risk, emphasizing the need to live retirement to its fullest potential without financial constraints. Listeners are encouraged to envision a retirement plan with a guaranteed income floor, providing peace of mind and confidence in their financial future. Bill invites them to explore personalized solutions tailored to their needs, including strategies for spousal survivorship and long-term care.

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Mastering Retirement Cash Flow (Part 2): Understanding Income

Release Date: 07/27/2023

Description: Get ready for part two of our Retirement Cash Flow series! This time, we're diving into the income side of the equation. In part one, we tackled the ins and outs of your expenses in retirement. Now, it's all about understanding the crucial role of income analysis. We'll uncover the secrets of guaranteed income versus the uncertain stuff and shed light on the consequences of retiring without a clear income plan. Don't worry if you're feeling lost - we've got your back with practical solutions and expert guidance. Tune in and take charge of your retirement cash flow!   Episode Resources:  www.brokercheck.com www.advisorinfo.sec.gov   Important Links: Website: https://www.estesfinancial.net/ Call: 817-444-8402

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THE RETIREMENT INCOME DOCTOR SHOW

Release Date: 04/10/2021

Authors: THE RETIREMENT INCOME DOCTOR SHOW

Description: THE RETIREMENT INCOME DOCTOR SHOW

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TED WERNHAM 519.670.3177

Release Date: 03/27/2021

Description: 'retirement income and asset management'

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The Capitalized Life & Retirement Show

Release Date: 09/25/2020

Authors: Matthew Johnson

Description: Matthew Johnson explores the principals necessary to live The Capitalized Life and the retirement of your dreams. So ask yourself… Are you living the life that you want? Are you as prepared for retirement as you believe you should be? What are your goals for retirement, and how are you going to reach them?Contact us at www.johnsonwim.comInvestment Advisory Services offered through Sound Income Strategies, LLC, an SEC Registered Investment Advisory Firm. Johnson Wealth and Income Management and Sound Income Strategies, LLC are not associated entities. Johnson Wealth and Income Management is a franchisee of the Retirement Income Store. The Retirement Income Store and Sound Income Strategies LLC are associated entities.

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Retirement Solutions

Release Date: 09/05/2020

Authors: Todd Bauman

Description: Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. Retirement Solutions is dedicated to the small things that make a significant difference.

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Boomer Income Ideas

Release Date: 05/18/2021

Authors: Dan Farnsworth

Description: Are you a Baby Boomer looking for innovative ideas to generate supplemental retirement income?I can help you explore out-of-the-box alternatives to boost your income in retirement!

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Fullerton Financial Hour

Release Date: 08/22/2020

Authors: Fullerton Financial

Description: Find Freedom in Retirement! Fullerton Financial focuses on strategic income planning, to help our clients achieve their retirement dreams. Without income, there is no retirement. Let us map out your retirement and diversify your portfolio to help you create a retirement plan catered to you!Give us a call at (623) 974-0300 to schedule a complimentary consultation!

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Retirement Solutions Radio

Release Date: 08/17/2020

Authors: B.O.S.S. Retirement Solutions

Description: Podcast by B.O.S.S. Retirement Solutions

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Retirement Mark by Mark R. LumiaWhat you Need to Know About Rolling Over Your 401k or Roth IRA – Retirement Mark by Mark R. Lumia

Release Date: 12/14/2021

Description: Reduce Taxes, Increase Retirement Income and Protect Your Nest Egg

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Retirement Mark by Mark R. LumiaNew Solutions to Help You Prepare for the Cost of Living in a Nursing Home – Retirement Mark by Mark R. Lumia

Release Date: 01/06/2022

Description: Reduce Taxes, Increase Retirement Income and Protect Your Nest Egg

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Raining Freedom Money

Release Date: 08/13/2020

Authors: Host: David and Patti Royster

Description: Planning for your retirement through passive income from Multi-Family Investing

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Edward Ogden & Retirement Planning

Release Date: 03/22/2021

Authors: Edward Ogden - Retirement Planning

Description: Retirement Planning Strategies to help you plan and acquire income for life.

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