Clear Skies Retirement

Is your retirement dream a reality, or are you just "waiting for an inheritance" that may never come? In this episode of Clear Skies Retirement, Jay Kirkwood breaks down the viral questions facing pre-retirees today: from the "magic number" needed to quit the nine-to-five to the dangers of relying on a family windfall. Jay pulls back the curtain on the financial industry, discussing "reinvestment risk" in bonds and why working an extra year rarely fixes a broken plan. Discover how to transform your savings into a lasting paycheck tailored to your lifestyle. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

Would you enjoy your retirement more if you knew exactly when your next paycheck was coming? Join pilot and financial advisor Jay Kirkwood as he navigates the turbulence of retirement planning, using aviation metaphors to explain why "hope" isn't a flight plan. This episode dives into the psychological power of guaranteed income, the "slow grind" of inflation, and why mimicking a pension through annuities can reduce anxiety. Whether you're managing a 401(k) or planning a trip to Antarctica, learn how to build a customizable income stream that survives market volatility and economic detours. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

Think of your retirement plan as a GPS: it’s great for the start of the journey, but what happens when you hit unexpected construction or a flat tire? In this episode of Clear Skies Retirement, Jay Kirkwood discusses why static financial plans often fail and how to pivot when life—or the market—forces a detour. From maximizing 401k efficiency and uncovering hidden fees to debunking the myths surrounding annuities, Jay explains how to build a flexible roadmap. Learn how to secure a reliable "paycheck" for life while keeping your investment strategy on track. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

The price of being you might be higher than you think, but do you actually know the number? Join Jay Kirkwood of Secure Financial Management as he pulls back the curtain on "Wall Street’s Game" to help you avoid common retirement pitfalls. Inspired by Oprah Winfrey’s hands-on financial approach, this episode explores the "cost of being you" and why middle-class savers often reach retirement by accident rather than by design. Jay discusses navigating market volatility, the unique challenges facing single retirees, and how to transition from accumulation to a sustainable lifetime income. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

How do you transition from receiving a paycheck every two weeks to becoming your own employer in retirement? Jay Kirkwood dives into the psychological and financial hurdles of "hitting the starting line," specifically why so many retirees end up under-spending out of fear. From debunking the mythical "$1.2 million" retirement number to analyzing the risks of relying on an inheritance, this episode focuses on the necessity of a realistic, written plan. Learn how to stop worrying about market volatility and start enjoying the wealth you’ve spent decades building. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

Your retirement savings shouldn't feel like a high-stakes gamble, yet many investors watch their hard-earned wealth disappear during market swings they weren't prepared to handle. Join Jay Kirkwood as he breaks down the cautionary tale of a 50% portfolio loss and explains why "going to cash" is rarely the solution. This episode explores the critical shift from accumulating wealth to distributing income, the "window of opportunity" for Roth conversions, and how to build a plan that prioritizes your monthly needs over market volatility. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

Most people focus entirely on the climb toward a million-dollar nest egg, but the journey back down the mountain is where the real risks hide. In this episode, Jay Kirkwood of Secure Financial Management explores why 60% of recent retirees feel their spending plans are failing. Through cautionary tales of six-figure tax surprises and the "RMD trap," Jay discusses how to avoid common pitfalls that can deplete decades of savings in just a few years. Learn how to manage geopolitical risk, navigate the transition from paper wealth to real income, and protect your lifestyle from unnecessary surcharges. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

Think your retirement plan is set in stone? A single $30,000 decision or a new tax deduction could change everything. In this episode, Jay Kirkwood of Secure Financial Management breaks down the "hidden" complexities of modern retirement, from the new $6,000 tax deduction for seniors to the surprising volatility of "safe" bond portfolios. We explore why the traditional 60/40 mindset is failing retirees and how hybrid long-term care strategies are replacing unpredictable premiums. Discover how to balance growth with preservation without overpaying for a plan you could build with the right guidance. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

Whether you have $500,000 or $5 million in the bank, the "can I retire?" anxiety feels exactly the same. In this episode of Clear Skies Retirement, Jay Kirkwood explores why even high-net-worth savers struggle with the mental shift from earning a paycheck to creating one. We dive into the complexities of Required Minimum Distributions (RMDs), the common tax pitfalls of inherited IRAs, and why a 15-year "tax runway" is your most valuable asset. Discover how shifting from a magic number to a structured income plan can turn pre-retirement apprehension into post-retirement confidence. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

Is your retirement strategy stuck in reverse? For decades, you’ve been told to "save, save, save," but the transition from accumulating wealth to generating a lifelong paycheck requires a complete 180-degree shift in mindset. In this episode, Jay Kirkwood of Secure Financial Management breaks down the "reverse engineering" of retirement accounts. From debunking the multimillion-dollar "savings goal" myths to navigating the emotional hurdles of guaranteed income, Jay shares real-world stories about turning a pile of assets into a sustainable, worry-free stream of income that lasts as long as you do. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

Is your retirement strategy resting on a "Magnificent Seven" house of cards, or is it built for the long haul? Jay Kirkwood breaks down the shifting market breadth of 2026 and why the 4% rule might be a recipe for disaster in volatile cycles. From the emotional "memory dividends" of family time to the logistical hurdles of downsizing in a high-cost housing market, this episode explores what money is actually for. Discover how to prioritize health over headers and why a flexible "stair-step" spending plan beats rigid, outdated formulas every time. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

What if the "tried and true" 4% rule is actually a fast track to running out of money in retirement? In this episode of Clear Skies Retirement, Jay Kirkwood breaks down why traditional math often fails when it meets the reality of market volatility and shifting economic trends. We explore the transition from a tech-heavy market to a broader economy, the hidden costs of downsizing your home, and why "memory dividends" should be your new favorite investment. Join us to discover how to build a plan that prioritizes your time, health, and legacy over simple spreadsheets. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

You’ve climbed the retirement mountain and saved your millions, but is the IRS waiting at the peak to take a massive cut? In this episode of Clear Skies Retirement, Jay Kirkwood of Secure Financial Management explores the "two-sided coin" of income and tax management. Learn why high savings can lead to higher Medicare premiums and taxed Social Security if not handled with precision. From the risks of using 401ks for home down payments to the truth about target date funds and annuities, Jay reveals how to navigate complex distribution rules before time runs out. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

Your retirement spending isn't a straight line—it’s a smile. Join Jay Kirkwood from Secure Financial Management as he reveals why your expenses may peak at the start and end of retirement, creating a unique "spending smile" that requires strategic planning. We tackle the anxiety of outliving your money, the "whack-a-mole" complexity of Social Security timing, and the rising reality of "emergency retirements" triggered by AI and downsizing. Learn how to bridge the healthcare gap before Medicare and balance growth with risk to ensure your financial plan survives the bumps in the air. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Should you push off your retirement due to the economy? There are over 4 million people retiring every year. Whenever there are a lot of people needing help sometimes bad actors will take advantage. What do you need to watch out for? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Vanguard is offering a Target Date Fund with an annuity option. What could go wrong? Turns out, retirees want more stability than the stock market provides. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: 75% of investors are pairing back their risk in the stock market. Are you? Paying off your house in retirement might make you feel good but is it the best financial move? A retirement lesson from AI and Hertz. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Are you pushing money into this market or pulling back?   People with annuities spend more money in retirement. Will you use YOUR plan or Uncle Sam’s Plan for your 401(k)? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Will the "Warren Buffett" indicator be right in 2026? Does Uncle Sam have a headlock on your IRA? Why is the price of Gold going up so much in an up-market? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Kiplinger’s list of things you need to get right before you retire. Why are people jumping into dividend paying stocks in record numbers? People feel better about retirement than they did a few years ago. What has changed? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: You spend hours on your portfolio. What are you missing? The rising cost of retirement. The financial headlines tell us we need over a million to retire. What’s the real truth? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Starting in 2026, there are new rules if you are using the 401(k) "catch up" provision. Making you a "smart rabbit" when it comes to your money in the stock market. 50% of people have no idea the steps to take to plan for retirement. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

This episode takes a hard look at popular retirement rules—from the 4% withdrawal strategy to the myth that you need a million dollars to retire. Jay Kirkwood breaks down why these one-size-fits-all formulas often fall short and how real planning requires a deeper understanding of your lifestyle, risks, and goals. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode of Clear Skies Retirement: Talking about taxes for this year, next year, and all the years to come.  Warren Buffett and Tony Robbins have a retirement warning for you. Nate Bargatze, New Math, and your Retirement. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: You may have saved a nice number in your retirement accounts, but there might be something missing. President Trump is paving the way for new offerings in your 401(k). Should you consider them? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

What does Warren Buffett’s $315 billion cash stash mean for your retirement strategy? In this episode, Jay Kirkwood explores the psychology of cash, the risks of over-concentration in portfolios, and why old financial rules like the 4% withdrawal rate may no longer apply. He discusses Roth conversions, RMDs, and how emotional comfort plays a role in financial planning. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! Click Here to schedule an appointment with Jay and the team at Secure Financial Management. To learn more about Secure Financial Management, including the "Get Me To Retirement" 5-Step Process, go to Retire210.com And don't forget to follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: How much do you need in retirement? Compare against the new average monthly spend numbers. Finding a place for all your financial “stuff.” President Trump is making the way for Private Equity offerings in 401(k)s. What is Private Equity and do you want it? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! Click Here to schedule an appointment with Jay and the team at Secure Financial Management. To learn more about Secure Financial Management, including the "Get Me To Retirement" 5-Step Process, go to Retire210.com And don't forget to follow us on Facebook!See omnystudio.com/listener for privacy information.

If you believe these 7 things about retirement, you may be in trouble. Plus: Dealing with the volatility of the stock market and the downside of dividend paying stocks. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! Click Here to schedule an appointment with Jay and the team at Secure Financial Management. To learn more about Secure Financial Management, including the "Get Me To Retirement" 5-Step Process, go to Retire210.com And don't forget to follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: There is more to worry about in retirement than the stock market. You tried to time the market, and failed, now what? Financial products and concepts are constantly changing. What has remained solid for over 30 years? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: No matter the size of your account, we all worry about money. Death and Taxes: Is there something you can do about the second one? Like the Jaws movie, when do we need a bigger boat in retirement planning? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: How the BBB changes taxes, social security, and filing. Many advisors say that people are focused on the wrong number. Common reasons people finally seek out a financial advisor.   Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Will this stock market get knocked out or come up off the mat? How much money do we need that is easily assessable and out of the stock market? The cost of living in your state may determine if you run out of money. Where does your state rank? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: For the first time in memory, the number you need for retirement has dropped! Why? Should you wait until 73 to access your IRA? Maybe not. The Newark Airport is plagued with poor communication, outdated equipment, and no future plan. Is your advisor the same way? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Actual math and "Wall Street" math are two different things. What in your retirement plan is outdated or unnecessary? The fear of running out of money is causing people not to spend and enjoy they retirement. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Politics are bouncing the market. How do you adjust? A steady retirement paycheck seems to be the secret of spending confidently. A “don’t let this happen to you” tax story. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Portioning your money with purpose: taxes, risk, long term, and short term. Watch out for this IRA conversion misstep. Is running out of money really that common? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Some big names in business are selling stock for cash. Is there something to learn here? There are likely financial fees in your 401(k) and IRAs. What is the long-term impact? Some people say they don’t worry about running out of money. What is their secret? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: 1 year, 5 years, 10 years? When is the right time to start talking about dialing back your market risk as you approach retirement? Are Boomers so worried about running out of money that they are neglecting estate planning? How your 401(k) comes up short. How getting financial advice from your family, friends or even Tik Tok can hurt your retirement. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: If the current market volatility has you worried, what are your options? Replacing your paycheck in retirement. When do you start? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Is this current market the beginning of something bigger? The Roth IRA may be your biggest retirement asset. How money is leaking out of your budget. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: With all the current volatility, is it time to think outside the stock market? Why it's important to have an income plan in retirement. How much waste do you have in your retirement plan? The author of the 4% Rule says you should INCREASE your market risk in retirement. Why is this not realistic? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: The chance of a recession is growing. How do you protect your retirement money? How “buying the dip” can apply to tax planning. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

Feeling overwhelmed by market fluctuations? Jay Kirkwood tells you why it's crucial to structure your assets to ensure a reliable income stream, even when the market is unpredictable. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: With DOGE cutting nearly 300,000 Federal jobs, many federal employees are facing early retirement or job loss.  Are Boomers so worried about running out of money that they are neglecting estate planning? If the math says you can retire, why are you still working? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Looking at market corrections over the last 60 years. If Social Security has to cut back your check, are you ready? There are millions of people depending on their 401(k) in retirement. Tony Robbins points out the flaws we have to work around. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode of Clear Skies Retirement: Your 401(k) plan is not a retirement plan. How family, friends, and the internet can fail you with financial advice. You can’t control tariffs, the Fed, and the economy. You CAN control where and how your retirement money is invested. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: Is the bull market over? Is this going to get worse? How do you make your best Social Security decision? Should you hang in there one more year before you retire? Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

On this episode: How will interest rates affect your retirement strategy? Shark Tank’s Kevin O’Leary reverses his position on retirement, while Mark Cuban says the stock market is for suckers. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

We discuss identifying and adjusting your risk levels for your market money. Also: Why do Millennials and Gen Xers believe they will retire at 60 and Boomers say 68? Plus: The Top 6 Reasons people avoid using a financial advisor. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.

There are a lot of questions you may have about retirement, but let’s get the biggest one out of the way first. Subscribe or follow so you never miss an episode! Check out our YouTube page for more retirement tips from Jay! To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com Follow us on Facebook!See omnystudio.com/listener for privacy information.