Countdown to Retirement with Gregg MacInnis

Ready to Play the ‘Retirement Prediction Board?’ Major League Baseball is entering the world of prediction markets—where everything hinges on assumptions and odds. Retirement planning can be just as risky. In this episode of Countdown to Retirement, Gregg MacInnis explains why betting on timing, inflation, markets, and taxes without a written plan can backfire. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Watch Out for the ‘Myths’ of Retirement For years, space aliens were dismissed as a myth—until recent evidence raised questions. But in retirement planning, plenty of myths still linger. On this episode of Countdown to Retirement, Gregg MacInnis clears up common misconceptions about Social Security, working longer, and spending—and explains why putting it all into a written plan matters. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Too Much Income in Retirement Can Cost You Taxes don’t stop in retirement. Income thresholds can trigger taxes on Social Security, higher Medicare premiums and lost deductions. On this episode of Countdown to Retirement, Gregg MacInnis explains how strategies like Roth conversions can help coordinate income and withdrawals—so there are no surprises down the road. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Could ‘Dirty Sponges’ in Your Retirement Plan Be Setting You Up for a Future Tax Hit? Filthy sponges spread bacteria in the kitchen because small problems get ignored. In retirement planning, “dirty sponges” are the overlooked details that quietly grow into bigger tax surprises later on. In this episode of Countdown to Retirement, Gregg MacInnis explains how proactive planning can identify and clean up those issues early - before they turn into costly tax problems down the road. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

We protect our homes from harmful odors and gases—but what about hidden fees in your retirement portfolio?  In this episode of Countdown to Retirement, Gregg MacInnis reveals how just a 1% fee can quietly drain thousands of dollars from your future—and how he can help spot the problem before the financial ‘pollution’ sets in. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Do You Have the Right ‘Recipe’ for Retirement? Some home cooks skip the recipe—with mixed results.  Retirement planning works much the same way. Without a written plan, you’re essentially winging it.  In this episode of Countdown to Retirement, Gregg MacInnis walks through the key ingredients of a solid retirement plan, from guaranteed income and tax strategies to risk management and creating a clear vision for retirement. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Is It Time to ‘Look Forward’ with Complete Tax Planning? Tax season often feels like an exercise in looking backward—collecting documents and filing last year’s return.  But comprehensive tax planning is about what’s next.  In this episode of Countdown to Retirement, Gregg MacInnis shares forward‑thinking strategies designed to help maximize tax benefits in future years. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Add a ‘Gimme’ Putt to Your Retirement Plan Golfers commonly award ‘gimme’ putts to players whose ball comes within inches of the cup.  That can also be accomplished in your retirement plan with reliable income sources.  In this episode of Countdown to Retirement, Gregg MacInnis explains how they work - from annuities, pensions and Social Security to fixed income. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

So This is the Year You’ve Resolved to Get a Financial Advisor – Now What? Thousands of Americans make New Year’s Resolutions.  One of the most popular is finally hiring a financial advisor.  In this episode of Countdown to Retirement, Gregg MacInnis reminds us that a ‘holistic’ advisor looks at more than accumulating income.  They also deal with market risk, tax and estate planning and long-term care.  Gregg also talks about the importance of that first meeting. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

What It Means to Be a ‘Kingdom’ Financial Advisor In past Countdown to Retirement shows, Gregg MacInnis mentioned that he’s a ‘Kingdom Advisor.’  In today’s episode, he explains what the faith-based organization, how it aligns with the teachings of the Bible when it comes to faith and how it integrates with saving for and spending in retirement.  Gregg even says being tax efficient isn’t a sin!     For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

What Does Holistic Retirement Planning Mean? If you’re looking for a financial advisor who can design a well-rounded retirement plan, then consider one who offers holistic planning.  In this episode of Countdown to Retirement, Gregg MacInnis explains more about his approach, which encompasses income, tax and estate planning, as well as investment management and healthcare and long-term care planning. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

What is the ‘Bucket Strategy’ in Retirement? One of the biggest challenges in retirement is figuring out how to spend your hard-earned savings.  In this episode of Countdown to Retirement, Greg MacInnis explains what’s called the ‘Bucket Strategy.’  He uses it with his own clients so they can have a tailored combination of safe money, growth money and the ever-important ‘fun’ money. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Time is Running Out to Book Your End-of-Year Financial Review Have you made an appointment for an end-of-year check of your retirement finances?  Time is running out!  On this episode of Countdown to Retirement, Greg MacInnis talks about the five things he likes to focus on during a review, including a check of 401(k)/IRA contributions, harvesting stock losses, RMD calculations, Roth conversions and charitable giving. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

When Should You Start Estate Planning? Studies have shown that most Americans don’t have a will nor have taken the steps to protect the money they intend to leave for heirs.  If you don’t make an estate plan yourself, the state in which you live may make it for you – and you may not like it.  On this episode of Countdown to Retirement, Gregg MacInnis explains the importance of estate planning and what to expect when you sit down for a visit. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Turn Your Portfolio Into a ‘Juicy’ Retirement Paycheck Income drives retirement.  When you’re no longer drawing a paycheck from work, you miss it.  In this episode of Countdown to Retirement, Gregg MacInnis explains how he can help you create your own personal pension to take care of basic needs and use other financial accounts to promote withdrawals that also allow you to have a ‘playcheck.’   For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Do You Need a ‘Bigger Retirement Boat?’ The 50th anniversary of the movie ‘Jaws’ brings memories of one of its famous lines, “We’re going to need a bigger boat.”  The same can be true in retirement planning.  In this episode of Countdown to Retirement, Gregg MacInnis talks about the symptoms that can lead to leakage in your retirement boat and the lifelines that can help repair them. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

How Can You ‘Weatherproof’ Your Retirement Plan? Hurricane season reminds us that if you don’t take precautions until there are warnings, it could be too late.  This same can be true in retirement planning.  In this episode of Countdown to Retirement, Gregg MacInnis talks about ways to ‘weatherproof’ your savings, including safeguarding income sources, reviewing risk tolerance and addressing outstanding debt. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

The ‘One Big Beautiful Bill’ – Part 2 We continue our conversation on President Trump’s ‘One Big Beautiful Bill.’  In this episode of Countdown to Retirement, Gregg MacInnis explains what has changed with charitable donations, auto loan interest deductions and covers the introduction of the new ‘Trump Accounts.’  Gregg also explains his view of tax planning for retirement – the ‘Macro’ view vs. the ‘Micro’ view. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

How Does the ‘Big Beautiful Bill’ Affect Your Retirement? Congress recently signed off on President Trump’s ‘Big Beautiful Bill.’  So what does that mean for your retirement?  In this episode of Countdown to Retirement, Gregg MacInnis tells us what hasn’t changed – including lower tax brackets and a higher standard deduction – and what is different.  He also discusses how a Roth conversion is still an important consideration as you approach RMD age. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Timing is Everything When It Comes to Claiming Social Security There has been a surge of people claiming Social Security at the earliest age of 62.  Why?  They’re afraid the “government is going to run out of money.”  But in this episode of Countdown to Retirement, Gregg MacInnis debunks that perception and explains what careful timing your benefits means for your monthly check, your spouse’s and your taxes.    For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Signs You Might Want to Switch Your Financial Advisor Is your financial advisor not returning your calls or doing maintenance on your portfolio?  Are they not providing your other needs like tax and estate planning?  In this episode of Countdown to Retirement, Gregg MacInnis offers the reasons you might want to change advisors and why it’s okay to seek a second opinion about your retirement future. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com.See omnystudio.com/listener for privacy information.

Are You Prepared for Longevity Risk in Retirement? It’s a fact – people are living longer.  And many can underestimate how much money they’ll need to make their retirement last their entire lifespan.  In this episode of Countdown to Retirement, Gregg Macinnis talks about what’s in his longevity ‘toolbox,’ including guaranteed income, ‘safe’ money outside the market, tax planning and long-term care considerations. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Can I Retire This Year? It’s one of the biggest questions that people ask when they hit their 60s – can I retire this year?  But answering takes a thorough examination of your assets.  In this episode of Countdown to Retirement, Gregg MacInnis explains what boxes he checks off to determine whether it’s possible and touches on how he helps the transition from a saving mindset to spending comfortably in retirement. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

When It Comes to Social Security, Don't Panic - Plan It Within ten years, Social Security's Trust Fund is expected to run dry.  If Congress does nothing, benefits could be cut as much as 20 percent.  No wonder so many are claiming Social Security early at age 62 even though that leads to lower monthly checks.  In this episode of Countdown to Retirement, Gregg MacInnis explains strategies you can use to help off a possible shortfall and maximize benefits. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

When Should You Make the Move to a Roth Conversion? The most thrilling part of a horse race is the homestretch when you need to make your move before the finish line.  It’s like taxes in retirement.  In this episode of Countdown to Retirement, Gregg MacInnis talks about the advantages of a Roth conversion in which you pay taxes now and withdraw the money tax-free later.  And even more important, when to make that move. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Legacy Planning Take Aways from the Deaths of Gene Hackman and His Caregiver Wife We all were saddened by the shocking deaths of actor Gene Hackman and his caregiver wife Betsy.  In this episode of Countdown to Retirement, Gregg MacInnis talks about the legacy planning strategies we can learn from the tragedy.  Caregivers who look after loved ones can also suffer when it comes to their own retirement planning.  And Gregg talks about the importance of wills to keep things out of probate. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Listen to This Before You Attend a Steakhouse Retirement Seminar Those who reach retirement age are often flooded with invites to retirement seminars at a restaurant.  But not all seminars are created equal.  In this episode of Countdown to Retirement, Gregg MacInnis tells us what warning signs to watch out for and how his seminars are intended to educate, not sell any investment products. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Retirement is Complicated – Why Not Hire a Financial Advisor? There are so many complexities about retirement – how to stack your 401(k), when to claim Social Security and what investments to make in the market.  It can be overwhelming!  In this episode of Countdown to Retirement, Gregg MacInnis explains how choosing the right financial advisor can not only help make things simpler but also take into account options you may not have considered. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

How the Three Stages of Your Financial Life Can Drive Your Retirement Did you know there are three stages to your financial life?  They are called accumulation, preservation and distribution.  The first two – saving and safeguarding money – feed into the third, which funds your retirement.  In this episode of Countdown to Retirement, Gregg MacInnis explains how he can help you stay on track throughout all three stages so there’s a better chance you won’t run out of money. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Don’t Hire the Wrong Financial Advisor Hiring a financial advisor is one of the most important decisions you will make in the years leading up to retirement.  And sometimes the person you find doesn’t work out in the long run.  In this episode of Countdown to Retirement, Gregg MacInnis runs down possible red flags that you may have hired the wrong person and what to consider when seeking a second opinion. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Creating a Clear Retirement Roadmap Do you get irritated when another driver doesn’t use their turn signal?  The same can be true in your retirement planning.  In this case, your turn signal begins with a retirement vision with many details to follow.  In this episode of Countdown to Retirement, Gregg MacInnis brings up four important points to reach that goal. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Are You Prepared for Longevity Risk in Retirement? The number one fear in retirement is running out of money.  It’s called longevity risk.  You could roll the dice and see what happens with your savings.  Or you could prepare.  In this episode of Countdown to Retirement, Gregg MacInnis explains strategies including when you claim Social Security benefits, taking advantage of annuities and preparing for the cost of long-term care. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Annuities Mean Retirement Income Once upon a time, companies took the responsibility of planning their employees’ retirements with pensions.  But when those became too troublesome to manage, they pivoted to 401(k) savings plans, leaving retirement strategies to workers.  In this episode of Countdown to Retirement, Gregg MacInnis explains how annuities can fill the guaranteed income gap left by the absence of pensions. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Consider a Roth Conversion Whether the Trump Tax Cuts Are Renewed or Not With Donald Trump winning the election, he’s pledged to extend the tax cuts he helped usher in back in 2017.  They are scheduled to sunset at the end of 2025.  In this episode of Countdown to Retirement, Gregg MacInnis explains how a Roth Conversion is still the smartest move in your long-term financial plan to generate tax-free income. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis, call 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Plan for the Risks in Retirement So You Can Enjoy the Rewards You may think you have a retirement plan, but does it take into account all the risks that could derail it?  In this episode of Countdown to Retirement, Gregg MacInnis offers strategies that can mitigate the most common risks in retirement, including inflation, healthcare costs, market and longevity risk, so you are not burdened with the fear of running out of money. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Make an Appointment Now to Review Your End-of-Year Checklist Fall football and the upcoming holidays serve as reminders that the end of the year is quickly approaching.  So, when are you going to have time to review your year-end financial checklist?  In this episode of Countdown to Retirement, Gregg MacInnis explains how he makes it easy.  But you need to make the first move and make an appointment now before time runs out. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Retirement Planning Should Include Estate Planning Studies indicate that about 60% of older Americans don’t have a will or estate plan.  That can often lead to family infighting and a prolonged and expensive probate court battle once someone passes.  In this episode of Countdown to Retirement, Gregg MacInnis explains how this can be prevented so that assets go to beneficiaries as intended. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Fantasy Football & Retirement It’s estimated that 30 million Americans enjoy playing fantasy football each year.  But some may not realize that managing a fantasy team draws parallels to retirement saving.  In this episode of Countdown to Retirement, Gregg MacInnis explains the similarities, including the importance of a good retirement offense and defense so you won’t run out of money. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Why Retirement Savers Miss Pensions The 401(k) was never meant to be a retirement plan.  It was intended to be a savings plan for retirement.  But when companies reverted to 401(k)s from traditional pensions, they left the concept of guaranteed income behind.  In this episode of Countdown to Retirement, Gregg MacInnis explains how he can help restore the guaranteed income component in your retirement future. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Why Timing of Income is Important When It Comes to Taxes in Retirement NFL rookies are getting sizeable signing bonuses that are taxed heavily without spacing out the payments.  That’s just one example of how the timing of various income streams in retirement can make a big difference in the amount of taxes you pay.  In this episode of Countdown to Retirement, Gregg MacInnis explains how he can help your find the gold mines of the tax code instead of the land mines. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Is Your Retirement Prepared for Long-Term Care? It’s estimated about 70% of Americans ages 65 and older will need some type of long-term care during their lifetime.  The financial cost can be significant for families, yet most people don’t plan for it, thinking it won’t happen to them.  In this episode of Countdown to Retirement, Gregg MacInnis explains how ‘hybrid’ life insurance can help prevent this burden from eating up your retirement savings. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

The latest numbers show that if Congress fails to act, Social Security benefits could face up to a 25% cut in 2035.  So, while the government’s Social Security Titanic heads for an iceberg, what can you do to fill a possible big income gap?  In this episode of Countdown to Retirement, Gregg MacInnis explains how he can design a plan that can safely steer your retirement ship away from a big shortfall. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Don’t Be a Retirement Worry Wart! There’s plenty going on in the world right now to make us worry.  Politics, market volatility, inflation, interest rates and of course, running out of money in retirement.  Each “worry” requires a different response.  In this episode of Countdown to Retirement, Gregg MacInnis gives examples of solutions he’s implemented to help meet the challenges. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Is the 4% Withdrawal Rule in Retirement Still Relevant? The so-called “4% Rule” on how much to take out of retirement accounts has been around for decades.  But does it still hold true in this day and age of inflation, market volatility and life longevity uncertainty?  In this episode of Countdown to Retirement, Gregg MacInnis explains how guaranteed income can help make sure your basic expenses in retirement are covered. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Taking the Emotion Out of a Retirement Portfolio That’s Invested in the Stock Market Do-it-yourself investing can be rewarding.  But sooner or later, it can fall prey to market volatility, speculation and emotion.  At GMac Family Financial, Greg MacInnis and his team aim to take out those factors out of the equation and lower your risk.  Joining Gregg on this episode of Countdown to Retirement is Tom Fincher, Director of Operations for WhiteStone Wealth Advisors. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

What’s This Thing Called an ‘RMD?’  How Do I Keep More of My Retirement Money? Many who are just starting out in their retirement planning are shocked to discover that – beginning in their 70s – they will have to fork over a portion of their savings in pretax accounts to Uncle Sam.  It’s because the government wants its money!  In this episode of Countdown to Retirement, Gregg MacInnis explains how to lessen that hit and why the next year is very critical. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

A Social Security Hurricane is Coming – What Can I Do Before Retirement? It’s a safe bet that neither presidential candidate this year will address the ‘Social Security Problem.’  Its trust fund is projected to go dry as early as 2035.  If Congress does nothing to fix it, benefits could be slashed up to 25%.  In this episode of Countdown to Retirement, Gregg MacInnis offers ways to protect your income in case that happens. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com. https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

How Do You Create Your Own ‘Personal Pension’ in Retirement? Pensions used to feed retirement incomes with a guaranteed monthly paycheck for life.  While many government employees still have pensions, they have nearly vanished for the rest of us.  Yet, retirement savers are expressing a desire to replace that check from their jobs.  In this episode of Countdown to Retirement, Gregg MacInnis explains how he can help you create your own “personal pension.” For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

What’s This About a Social Security Bonus in Retirement? Maybe you’ve noticed ads on some financial websites and magazines asking whether you’ve taken advantage of the $16,728 Social Security “bonus.”  Before you suffer the fear of “missing out,” Gregg MacInnis sets the record straight in this episode of Countdown to Retirement.  And he offers ways to maximize your Social Security benefits in ways you may not have thought about. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.

Do You Know Your Retirement Tax Bill? You probably just filed your tax return and feel you can rest easy, right?  Maybe not.  Did you realize that true tax planning looks at the long-term, not just on an annual basis?  On today’s Countdown to Retirement, Gregg MacInnis explains the ramifications of taxes in retirement and talks about tools he has to help keep more of your hard-earned money. For more information on GMac Family Financial, or to schedule a consultation with Gregg MacInnis call, 972-475-2461 or visit gmacfamilyfinancial.com https://gmacfamilyfinancial.com/See omnystudio.com/listener for privacy information.