E.A.S.E. Into Retirement Radio Show

The people in your life who give you financial advice usually mean well, but good intentions don't always lead to good outcomes. In this episode, Tom breaks down why the retirement advice you're getting from family members and even trusted financial professionals like CPAs could actually be working against you.What works for your brother, your neighbor, or your colleague may not work for you. Social Security, taxes, and retirement look different for everyone, and a one-size-fits-all approach can cost you dearly.Tom also explores why adaptability is one of the most underrated retirement skills and takes a deep dive into the emotional rollercoaster of market swings, from fear and panic, to greed, anger, and ignorance. If you want a retirement strategy built around your life, not someone else's, this episode is for you.Chapters00:00 IntroGood Intentions but Bad Retirement Advice03:15 Family06:30 CPAs09:50 Universal MediaWhat we Can Learn About Investing from Geniuses15:10 AdaptabilityMarket Reactions29:30 Fear & Panic30:55 Greed33:25 Anger34:50 IgnoranceListener Questions39:00 How do I catch up if I’m in my 50’s?42:30 When is the best time to consider long-term insurance?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management#RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Life has a way of surprising us and not always in the good way. Whether it's a market crash, a health scare, the loss of a spouse, or a sudden job change, the unexpected has a way of showing up right when you can least afford it.In this episode, we dive deep into history's biggest financial black swan events and unpack the lessons every retiree needs to know. Because as Bob Dylan so wisely put it, the times, they are a-changin'.We'll also walk through the real-life curveballs that hit closest to home - job loss, major health crises, and the death of a spouse - and share practical strategies to help you navigate them without derailing your retirement.No matter what life throws at you, the right plan can make all the difference.Chapters00:00 IntroWhat Black Swan Events Have Taught us04:50 Black Tuesday (market recovered)08:15 Dot Com Crash (diversification)09:55 911 Attacks (Have a plan and hold)11:00 2008 Financial Crisis (Have an income set)13:25 How to overcome these during retirementBob Dylan’s Lyric & Some Solid Financial Advice18:25 Times are ChangingLife Happens. How to Handle the Unexpected in Retirement27:00 Moving to a new job & getting laid off33:30 Receiving an inheritance35:30 Facing a big health crisis37:45 Death of a spouseListener Questions42:00 Are dinner seminars worth it?44:28 With gas prices going up, should I buy an electric car?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management           #RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Are you truly prepared for retirement or just thinking you are? In this episode,𝗜𝗻 𝘁𝗵𝗶𝘀 𝗲𝗽𝗶𝘀𝗼𝗱𝗲, 𝘄𝗲'𝗿𝗲 𝘀𝗵𝗮𝗿𝗶𝗻𝗴 𝗮 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗿𝗲𝗮𝗹𝗶𝘁𝘆 𝗰𝗵𝗲𝗰𝗸... 𝗕𝗿𝗲𝗮𝗸𝗶𝗻𝗴 𝗱𝗼𝘄𝗻 𝘁𝗵𝗲 𝗲𝘀𝘀𝗲𝗻𝘁𝗶𝗮𝗹 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘁𝗼𝗽𝗶𝗰𝘀 𝗺𝗼𝘀𝘁 𝗽𝗲𝗼𝗽𝗹𝗲 𝗼𝘃𝗲𝗿𝗹𝗼𝗼𝗸 𝗯𝗲𝗳𝗼𝗿𝗲 𝗺𝗮𝗸𝗶𝗻𝗴 𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝘁𝗿𝗮𝗻𝘀𝗶𝘁𝗶𝗼𝗻𝘀 𝗼𝗳 𝘁𝗵𝗲𝗶𝗿 𝗹𝗶𝘃𝗲𝘀.We walk through the 5 Ds of Retirement Planning and why mastering all five is non-negotiable for financial security. But retirement isn't just about money. We also dig into the lifestyle side of retirement and discuss the most important personal things you must address as you enter this new chapter. And finally, we tackle a couple of the things you might think you know about retirement (but are often misunderstood). Whether you're 5 years out or already retired, this episode is your reality check.In this episode: Chapters00:00 IntroThe 5 Ds of Retirement Planning02:45 D #106:45 D #208:00 D #310:50 D #412:00 D #5Retirement Lifestyle 16:20 Social20:20 Health24:15 Sharp26:35 5 Years28:30 FallbackThings You Think You Know about Retirement33:13 Income35:05 Risk36:30 Investment37:40 Markets38:55 Life InsuranceListener Questions43:40 What should we consider if wanting to move away in early retirementReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management#RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Retirement doesn't happen overnight, and neither does a great retirement plan. In this episode, we walk you through every critical stage of the retirement journey, the questions you should be asking your financial planner right now, and the surprising ways people unknowingly work against their own financial future.In this episode:•    The foundation of every successful retirement plan and why trusting the right team makes all the difference•    Key questions to ask your financial planner about your lifestyle, income, spending, and risk tolerance•    What smart retirement planning looks like at every stage - from 15 years out to your first days of retirement and beyond•    The surprising gap between what people say they want in retirement, and what they actually do.Whether you're years away or right around the corner, this episode will help you get honest about where you stand and help clear a path forward.Chapters00:00 Intro04:10 You need to trust the teamQuestions to Ask Your Financial Planner06:20 Does my plan support my lifestyle goals08:10 Where is my money coming from this year? 09:44 What is the spending plan vs. the reality?10:50 How much risk can I take & handle?Stages of Retirement15:20 15 years out 19:00 10 years out 21:10 5 years out 23:50 The day you 25:50 Post RetirementHow People Say One Thing – But Do the Opposite in Retirement28:40 Looking for deals but overlooking fees33:10 Having low risk tolerance but having risky investments35:30 Saying you love your spouse but not taking steps to protect them financially.Listener Questions41:00 Advice for handling a timeshare in retirement44:30 Laid off with severance – how to handle health careReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management#RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Do you know where you fall on the retirement spectrum? We break down the 5 levels of wanting out, unpack surprising retirement wisdom from Shaq, and tackle the fine line between generosity and giving too much in retirement. There’s something for everyone – no matter what stage of retirement you’re in.Chapters00:00 IntroThe Desire to Retire01:45 Level One: I don’t see myself retiring04:55 Level Two: I could retire, but I’m getting paid well06:20 Level Three: I’d like to retire soon, but I don’t know how08:05 Level Four: I’d really like to retire NOW.09:40 Level Five: I need to retire like yesterday!Retirement Lessons from Shaq Quotes14:07 Why Shaq16:00 On habits 18:00 On taxes21:55 On worrying24:17 On motivationGenerosity28:00 Guiding Retirees who are generous34:00 Retirees who are too generousListener Questions 40:45 How often should I visit my financial advisor near retirement?46:20 Want to retire early at 57 – What do I need to consider?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management#RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Disneyland meets… Retirement Planning? In this episode of Ease into Retirement, we use some of the most famous theme park rides to unpack several key retirement moves, expose the financial truths most people learn too late, cover the tax mistakes that quietly cost retirees, and answer real listener questions about downsizing, job loss, and managing multiple bank accounts. This is sure to be an "E-Ticket Ride", so remain seated, tighten your seatbelt, and take a listen!Chapters00:00 IntroFinancial Planning Tips Through Disneyland Rides02:02 Space Mountain (younger vs older. Can’t take the ups n downs)07:37 Dumbo (simple/classic)10:20 It’s a Small WorldFinancial Truths15:03 The Media is Often an Enemy18:45 Emotions are not our Friend when it comes to Finances23:00 You’re not as risk tolerant as you think you are25:00 There is no one product that will take care of everything.Biggest Tax Mistakes Retirees Make27:00 Not tax planning for RMDs30:55 Roth Conversions33:30 Not paying attention to the impact of timingListener Questions38:30 What should I think about if I want to downsize44:10 Got laid off, but nearing retirement. What should I do?46:40 Are there issues to having multiple accounts in multiple banks?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

March Madness isn't just for basketball fans - your retirement plan needs a winning strategy too! This episode walks you through how to set specific, realistic financial goals, why a Cinderella story approach could change your retirement outlook, and how to avoid the risky picks that bust your budget. We also answer a listener question about navigating money and fairness with your kids in retirement. Tune in and start building your championship financial game plan.Chapters00:00 IntroOde to the Oscars03:23 Lead actor of finance 05:28 Best supporting role in finance11:10 Best original score in financeMarch Madness in Retirement Planning15:44 Get started19:00 A Cinderella story22:10 Being a “homer”26:10 Risky picksSetting Financial Goals29:00 Peace of Mind32:50 Setting specific goals for yourself36:20 Unrealistic goals38:25 How to create a winning strategy & realistic goalsListener Questions41:15 How to loan money to one kid but keep it fair while in retirement.Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management                                                                                                                                                                            #RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Are you following retirement advice that's working against you? In this episode Tom exposes the most overrated financial strategies and uncovers the underrated moves that actually work; from rates of return and tax advantages to liquidity, simplicity, and ROTH conversions, we're cutting through the noise so you can retire with confidence.Chapters00:00 IntroOverrated Financial Items 03:35 Tax Advantages09:10 Rates of Return11:30 Commission Based Investment AccountsUnderrated Financial Items15:00 Liquidity 19:45 Predictability21:55 SimplicityROTHs & ROTH Conversions28:45 What they are & How they work33:30 ROTHs for High Income Earners37:30 Confusions on ROTH conversionsListener Questions41:25 When should I move from DIY to having a financial advisor?47:45 Getting a rate hike on my LTC policy – is that normal?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Smart investors still fall into predictable traps. In this episode we unpack the biases quietly hurting your returns, how to handle life's biggest financial windfalls, and the surprisingly relevant money wisdom of Mr. Rogers - the stuff Wall Street never talks about.Chapters00:00 IntroInvestor Biases03:45 Confirmation Biases05:45 Loss Aversion Biases07:35 Disposition Effect Biases09:05 Hindsight Biases10:20 Familiarity Biases11:45 How an advisor can helpNavigating Financial Windfalls15:25 Your company is bought out19:30 You receive an inheritance22:15 Your property value increases   25:00 Your stock investments surgeMr. Rogers Quotes & Financial Wisdom 29:05 Discovering the truth about ourselves is a lifetime’s work...32:35 Often out of periods of losing come the greatest winning…34:55 Often when you’re at the end of something, you’re at the beginning…37:00 You rarely have time for everything you want in this life…Listener Questions 40:05: How much should I save for travel in retirement?44:40 What is a stretch IRA? Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

In this episode, we tackle two of the most misunderstood areas of retirement planning, and the ones that can make a big difference in your financial security.First, we break down Mutual Funds from the ground up: how they work, how they compare to ETFs, and what's actually inside them. Then we turn to cash, specifically, how much you should realistically keep on hand in retirement, the risks of letting too much sit idle, and a practical approach to rebalancing without stress.If you've ever wondered whether your money is truly working as hard as it should be, this episode is for you.Chapters00:00 IntroMutual Funds02:38 How Mutual Funds work04:23 Mutual Funds vs. ETFs09:42 Things to think about when choosing investmentsReasons to Keep Cash on Hand16:07 Why is an emergency fund of cash so important19:45 Having too much cash sitting around22:10 How to ease out of having too much cash sitting aroundListener Questions27:00 Is it a bad idea to buy a business in my early 50’s?31:30 How many financial advisors do people generally work with?33:55 Considering selling my rental income – Good or bad idea?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Most retirement decisions feel routine in the moment. A few of them change everything.In this episode, we walk through the retirement moves that don't come with a do-over, starting with the Social Security timing question nearly every pre-retiree faces. We also cover the life insurance mistakes that quietly derail retirement plans, from letting policies lapse to skipping beneficiary reviews, and why talking openly with your family about money isn't optional anymore.The conversation goes deeper into the psychology of retirement — how your upbringing shapes your financial behavior, why high-net-worth retirees sometimes struggle the most with spending, and how the path to building wealth differs from inheriting it. We close with listener questions on family property, the growing role of AI in financial planning, and a simple rule for knowing if you're saving enough.Once you decide, it's done. This episode will help you decide well.Chapters00:00 IntroShould You Take Social Security at 62?02:15 Reasons to take it now08:20 Reasons why you should waitLife Insurance Mistakes in Retirement14:35 Reasons to keep your Life Insurance policy17:30 Mistake: Allowing your policy to lapse 20:15 Mistake: Not letting your family know you have a policy23:00 Check your beneficiaries for all your accounts25:10 Tell the truth on your life insurance policy re: hobbies & habitsHow Your Money Mindset Affects Retirement28:40 How our view of money is created30:10 Depression mindset in retirement34:30 Making the wealth vs. Inheriting the wealth36:25 Learning to talk about moneyListener E-Mails39:45 Inheriting family property options44:00 Financial Planning & AI47:20 What’s a good rule for savings for retirement?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Think your retirement plan is solid? Your emotions might be quietly working against you.In this episode, we unpack the 7 Deadly Sins of Retirement Planning, Pride, Envy, Wrath, Greed, Sloth, Gluttony, and Lust, and show you exactly how emotional decision-making is behind every one of them.We also draw a surprising parallel between the stages of a relationship and the stages of building financial goals, and tackle listener questions on everything from couples and separate advisors to planning for retirement during a health scare.Whether you're just starting to think about retirement or you're deep in the planning process, this episode will make you look at your finances, and your emotions, in a completely different way.Chapters00:00 IntroRelationships & Finances Share These Things2:40 Butterflies & Money5:55 Going Steady & Developing goals07:40 Putting a Ring on it08:15 The Wedding & CommitmentThe 7 Deadly Sins of Retirement Planning14:50 Pride18:20 Envy20:05 Wrath21:40 Greed 23:28 Sloth24:30 Gluttony35:35 LustThe Role of Emotions in Financial Planning28:50 Greed & Fear34:45 When emotions are worth acknowledgingListener Questions39:15 Is it normal for couples to have separate advisors?43:10 How often should I check my accounts?44:50 How to plan for retirement in the midst of a health scare?  Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management                     #RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

You may feel like you're ready to retire, but are you REALLY READY to retire? In this episode, we reveal 3 critical things you must consider before retiring, so you can truly be "ready". We cover the psychology of spending in retirement, why people resist retiring, tax implications of inheritance, and answer questions about rates, early retirement, and healthcare planning. It's a show packed with information and some action plans that you need so you can retire with confidence.Chapters00:00 IntroSpending Money in Retirement02:50 Why is spending money so difficult04:05 Shifting from growth to withdrawal05:00 The fear that comes from not having a plan08:00 Action plan – what to doReasons Why People Don’t Want to Retire15:00 You love what you do19:00 Fear of boredom22:00 Don’t have enough moneyTax Implications of Inheritance29:00 The generational wealth transfer30:10 The cost of inheriting assets33:15 Rules associated with inheriting IRAs34:40 Inheritance common mistakes37:40 Action plan – what to doListener Questions39:55 When will rates go down & what to do while waiting?43:10 Considering early retirement/part-time work – what should I do?46:00 How to plan for healthcare in retirement?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Some retirement decisions feel small in the moment but can have lifelong consequences.In this episode, we discuss several of the most important financial decisions retirees face, starting with the question so many people ask: Should I take Social Security now or wait? We also cover key considerations around life insurance in retirement, including common mistakes, beneficiary reviews, and why communication with family is essential.The conversation goes deeper into the emotional side of money, exploring how upbringing shapes financial behavior, why some retirees struggle to enjoy their wealth, and how learning to talk about money can lead to better outcomes. Plus, we answer listener questions on inheriting family property, the role of AI in financial planning, and a practical savings rule for retirement.Chapters00:00 IntroShould You Take Social Security at 62?02:15 Reasons to take it now08:20 Reasons why you should waitLife Insurance Mistakes in Retirement14:35 Reasons to keep your Life Insurance policy17:30 Mistake: Allowing your policy to lapse 20:15 Mistake: Not letting your family know you have a policy23:00 Check your beneficiaries for all your accounts25:10 Tell the truth on your life insurance policy re: hobbies & habitsHow Your Money Mindset Affects Retirement28:40 How our view of money is created30:10 Depression mindset in retirement34:30 Making the wealth vs. Inheriting the wealth36:25 Learning to talk about moneyListener E-Mails40:00 Inheriting family property options44:20 Financial Planning & AI47:40 What’s a good rule for savings for retirement?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Financial advice is everywhere, but not all of it belongs in a retirement plan.Today's episode starts with a short tax-season planning overview, touching on a few timely items people often overlook. Then we dig into some of the most popular money opinions being shared today and explain why certain strategies can create challenges when applied to retirement.We discuss how to evaluate financial advice, the importance of personalized planning, and how tools like Health Savings Accounts (HSAs) can play a meaningful role in retirement.Today’s show delivers a thoughtful conversation for anyone preparing for, or already living in, retirement.Chapters00:00 IntroChecklist heading into tax season01:40 Balancing owing taxes and getting a tax refund04:15 Reassess retirement contributions07:45 Gather all your tax documents now11:30 Create a retirement planControversial Financial Standpoints16:00 Robert Kiyosaki “Start your own biz or buy gold/bit coin”19:35 Suze Orman “Set aside 3-5 years of living expenses”22:20 Ramet Sethi “Renting is better than buying”24:50 Dave Ramsey “Do an 8% withdrawal rate with all stock investments”Traits That an Advisor Should Have29:45 Trust & Likability36:15 The ability to create a holistic plan & can execute it.Listener Questions41:05 HSA Triple Tax Advantage45:00 What financial goals should I create in 2026?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Retirement is changing in 2026 - and so are the rules.In this episode, Tom breaks down the most important retirement updates for 2026, including changes to Social Security, COLA, Medicare, taxes, and catch-up contributions.He also tackles a critical retirement question: Should you be debt-free before retiring? Learn the real difference between entering retirement with debt versus without and how it can impact your income, flexibility, and peace of mind.Plus, Tom answers a listener question many people are afraid to ask: Is it normal to dread retirement? He discusses the emotional and relational shifts that often come with this transition, and how to prepare for more than just the financial side of retirement.Chapters00:00 IntroRetirement Changes in the New Year02:40 COLA03:55 Medicare05:15 Commissionable Products08:15 Taxes & Social Security 11:19 Catch-Up ContributionsSongs “On the Money”17:20 “Mo Money” Notorious B.I.G20:12 “Money Changes Everything” Cyndi Lauper22:40 “Take the Money & Run” Steve Miller26:26 “For the Love of Money” The O’JaysHow to Handle Debt30:40 Going into Retirement with No Debt34:15 Bad Debt vs. Good Debt36:55 Do you Need to be Debt Free before Retiring?38:30 Retirement Blueprint ExplainedListener E-Mails41:25 Dreading Retirement – Is this Normal?44:50 Saving for Retirement as a Business OwnerReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Do timeless financial quotes really hold up in retirement?In this episode, we test wisdom from Oprah Winfrey and legendary investors like Charlie Munger against real retirement planning challenges. We break down mindset, investing insights, and the biggest retirement risks, like inflation, taxes, and budgeting mistakes, while answering listener questions on savings, long-term care, and inheritance planning.A practical and thought-provoking look at what advice truly works when retirement becomes real.Chapters00:00 IntroWhat Oprah Quotes Say About Retirement03:34 Big Adventures & Living the Life You Dream05:30 Be Thankful for What You Have07:40 Turn Your Wounds into WisdomTesting Quotes from Great Financial/Investor Authors14:25 Charlie Munger17:30 Jeremy Siegal20:10 Jason Zweig22:10 Helmut WeymarRetirement Catastrophes28:05 Inflation31:00 Tax Planning33:30 BudgetsListener Questions 39:30 Should I Back Down on Retirement Savings? 43:00 Should I Buy Long Term Care Plan?45:25 Suggestions to Share Inheritance with Children?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Retirement readiness isn’t about predicting the future, it’s about being prepared for it.In this episode, we discuss the essential elements of a strong retirement plan and how thoughtful preparation helps you move forward with confidence. Using lessons from aviation, we explore why having a clear plan, managing market volatility, and avoiding common estate and Social Security mistakes can make all the difference.Whether you’re approaching retirement or already there, this conversation focuses on what truly matters as you plan for the years ahead.Chapters00:00 Intro𝗦𝗼𝗮𝗿𝗶𝗻𝗴 𝗶𝗻𝘁𝗼 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁01:45 You Need a Flight Plan07:10 Handling Financial Turbulence12:15 You Need Your “Air Traffic Control”Estate Planning Mistakes16:25 Needing a Plan to Live vs. a Plan to Leave20:40 Updating Beneficiary information23:10 Money Makes People Funny25:50 The landmines of Transferring Property28:10 Tax issuesSocial Security Truths & Myths31:55 The Perfect Time to Take Social Security36:10 Getting Social Security Before it Goes Broke37:50 Balancing Social Security & Your Other AssetsListener Questions 43:05 Taking RMD’s from IRAs & 401Ks47:05 Are annuities safe?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

It’s the giving season, but are you giving the right way for your retirement?In this episode, we discuss charitable giving through a retirement lens and reflect on the key financial events of the year that continue to shape retirement planning. From smart ways to give, to inflation, government uncertainty, and the real questions people ask about retiring, this is a practical and thoughtful year-end reality check for retirees and those nearing retirement.Chapters00:00 IntroThe Giving Season01:30 Why Give?05:30 How to Give10:20 What to Give11:50 Who to GiveYear In Review – Financial Impact on Retirement14:35 Tariffs16:00 Inflation19:10 The Government Shutdown22:25 The One Big Beautiful BillThe Strange Things People Ask (are they so strange?)31:40 How often do people ask if they can retire NOW?35:55 How often do people ask for direction & don’t implement?38:00 How often does a person cry?39:45 How often do people come into large amounts of money?Listener Questions43:40 If I have enough money and saved a lot, do I really need an advisor?47:30 How do I convince my spouse to be riskier in investing?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

What does the first Christmas in retirement really feel like?In this episode, we talk about the emotional shift retirees experience during the holidays, how to create new traditions, and why time and purpose can be one of your biggest assets. Speaking of assets, we also explore three of the biggest financial assets many retirees have as well as some of the common mistakes you’ll want to avoid in retirement. It’s a thoughtful, practical conversation for anyone approaching or living in retirement.Chapters00:00 IntroRetirees First Christmas**01:55 The emotional impact of being retired07:10 Establishing new traditions09:45 Using the time to give back to your communityWhat Your Coffee Choice Could Say about Your Retirement Style** 14:36 Plain Black Coffee16:40 Cream & Sugar18:40 Specialty Coffee Drinks21:20 The Unique Extra Specialty Coffee23:30 Maximizing caffeine intake27:35 Coming UpRetirees Biggest Assets**28:50 The 401K34:10 Your House36:10 Social Security40:00 Ease into Retirement & AdvisorsListener Questions44:34 Company mergers and 401K changes47:00 Convincing spouse to take Social Security now**“This individual is a client of Mosley Wealth Management and is not being compensated for sharing their opinion and experience with our firm. These comments may not be representative of any other person’s experience with the firm.”Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Are there red flags you’re missing with your financial advisor?This episode uncovers common advisor warning signs, hidden retirement blind spots, and the mental biases that quietly shape financial decisions, plus what really matters (and what doesn’t) as you plan for retirementChapters00:00 IntroAdvisor Relationship Situations - Naughty or Nice01:48 Client Advisor relationship05:35 Advisor Minimums08:50 Taking Trades Over the Phone12:00 Providing TestimonialsFinancial Mental Blocks16:30 Ikea Effect19:00 Extreme Optimism20:55 Extreme Pessimist24:30 Status QuoSpecific Retirement Items – Does it Matter?30:30 Elections34:00 Social Security37:00 Stock MarketListener Questions40:50 Spousal Benefits in Divorce45:30 Business Owners Retirement Saving TipsReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

A clear and candid look at how media bias can shape your financial decisions, the overlooked blessings that strengthen your retirement mindset, and the biggest self-sabotage traps to avoid. A powerful retirement reality check, and a timely reminder of what really matters.Chapters00:00 IntroMedia Bias on Retirement03:45 Positivity doesn’t sell. Fear does.07:45 Medicare Commercials09:10 Ramsay’s Advice11:30 AnnuitiesAttitude of Gratitude16:35 Having Health & Paycheck or Income20:50 Learning from FailuresAreas Where You Can Sabotage Yourself 24:30 The Market28:20 Social Security30:10 Long Term Care32:00 Relying on Work or Working Longer33:50 Not Creating a BudgetListener Emails37:45 I have a Pension. Should I do a Buyout or Monthly Payment?41:40 How Can I Give with a Bigger Impact?44:50 What Should I do with the Gold I Purchased a While Ago?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Some of the best retirement lessons come from unexpected places, even in stories like The Wizard of Oz. In this episode, we reveal those lessons, plus how clearing out the “financial trash” and spotting overlooked opportunities can shed new light on your retirement. This episode is packed with practical tips, surprising insights, and silver linings you won’t want to miss!Chapters00:00 IntroThe Wizard of Oz & Financial Advice00:00 The yellow brick road05:30 There’s no place like home09:15 If I only had a brain11:20 Good witch or bad witchTaking Out Financial Trash16:00 Debt19:45 Risk22:00 Fees24:04 Lazy money25:25 Rid yourself of the wrong advisorsSilver Linings in Retirement28:40 Downsizing & Retiring early33:35 Life Insurance35:55 Buy outs/PensionsListener Emails40:00 Gifting family members?44:45 Estate Planning & Managing Relationships?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Tom shares the most common pitfalls people make on their way into retirement, the constants everyone must plan for, and the surprising ways retirement planning mirrors parenting. Plus, real listener questions in this week’s Mailbag. A practical, eye-opening episode for anyone planning their financial future.Chapters00:00 IntroDon’t Make These Money Mistakes02:20 Contributing vs. Investing06:50 Company Match09:35 Social Security11:55 Long term careFinancial Planning & Raising Kids15:30 Discipline22:00 Being well balanced24:00 Patience25:45 “Because I Said So”Constants in Retirement29:25 Inflation34:00 Market Volatility36:05 Health CareListener Questions39:25 I’m 55: Should I Stay or Go?46:00 Should I get condos in each place where my kids live?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Retirement can feel like flying into the unknown, but with the right flight plan, guidance, and strategy, you can handle the turbulence and land smoothly.In this episode, we cover planning your retirement, navigating market ups and downs, avoiding estate planning mistakes, and debunking Social Security myths. Real listener questions answered in our mailbag segment.Chapters00:00 IntroSoaring into Retirement01:40 You Need a Flight Plan07:05 Handling Financial Turbulence12:00 You Need Your “Air Traffic Control”Common Estate Planning Mistakes16:20 Needing a Plan to Live vs. a Plan to Leave20:35 Updating Beneficiary information22:55 Money Makes People Funny25:45 The landmines of Transferring Property27:50 Tax issuesSocial Security Truths & Myths31:10 The Perfect Time to Take Social Security35:35 Getting Social Security Before it Goes Broke37:00 Balancing Social Security & Your Other AssetsListener Questions 41:20 Taking RMD’s from IRAs & 401Ks45:10 Are annuities safe?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Is your retirement plan financially fit? Tom shares smart strategies to strengthen your plan, avoid costly mistakes, and protect your future. From key financial moves to listener questions on early retirement, inheritance, and next chapters, this episode is packed with actionable insights for anyone ready to take their retirement seriously.Chapters00:00 IntroGetting in Financial Shape02:50 Getting into Financial shape requires taking action05:00 Financial Shape requires having an accountability partner08:45 What matters more than degrees & certifications12:45 Getting your finances in shape is a processHow to Avoid Messing Up Your Retirement16:00 Understand Accumulation vs. preservation22:50 Don’t jump into things you don’t understandUnderstand the Variables in Retirement30:30 Income33:50 Taxes36:25 Social Security37:50 Your Risk FactorListener Emails 41:35 We’re in Mid-50s, what to consider if we want to retire early?46:00 Should I give my kids their inheritance early?49:30 Is it worth going back to school as an empty nester? Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs #RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy    DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Your everyday habits tell a story, and they may be shaping your retirement more than you think.In this episode, we uncover the hidden money lessons found in daily decisions and timeless stories, and how they can guide you toward a stronger, more intentional retirement. Smart retirement planning isn’t just math, it’s behavior, mindset, and wisdom.Chapters00:00 IntroWhat Your Costume Choice May Say about Your Financial Choices03:00 Scary06:37 Cute08:45 Lazy11:00 ClassicAesop’s Fables & Finances15:00 The Miser & His Gold19:45 The Tortoise & the Hare25:15 The Dog & His ShadowNavigating Tough Situations29:25 Loss of a loved one35:00 Long Term Health Care Event37:00 Not Ready for RetirementListener Questions 41:12 Helping kids pay off college vs. keeping $ for retirement44:45 How to overcome fear of retiring in a potential down marketReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Are you Grumpy, Happy, or Dopey with your money? This week, we explore how your personality type impacts your retirement plan, from fun Seven Dwarfs analogies to real-world financial insights. Plus, listener Q&A on AirBnBs, dividing money between kids, and paying off debt vs. saving more.Chapters00:00 IntroThe Seven Dwarfs of Retirement02:38 Grumpy04:39 Bashful on finances06:40 Dopey07:30 Happy08:30 Sleepy09:28 Sneezy10:00 DocThe Retirement Review Process13:00 The E.A.S.E. Process15:04 Personality types & the review process15:50 Data Centric18:00 Family Centric20:26 On-the-Go/Too Busy22:06 Need Reminders23:24 High AnxietyDiagnosing some “Financial Diseases”25:55 Acute Portfolio Riskopathy29:55 Old Fogey Disease31:50 Inflationitis33:25 Nursing HometosisE-Mail Listener Questions36:05 Determining if you make a vacation home an AirBnB42:15 What’s the best way to divide money between kids?45:05 Saving in 401K or pay off debt?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs                                                                                                                                        #RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Taylor Swift meets retirement planning! From “Blank Space” to “Shake It Off,” we uncover hidden financial lessons in her lyrics, spotlight the worst investor habits, and tackle listener questions about life and money in retirement.Chapters00:00 IntroRetirement Tips Hidden in Taylor Swift Songs02:15 Blank Spaces (beneficiaries)05:05 Shake It Off (market)07:55 Never Getting Back Together (Leaving work)10:40 It’s Me, I’m the Problem (Get a financial plan)The Worst Kinds of Investors14:30 Try to get rich quick19:45 Being a part of the “herd mentality”21:35 Focusing on things we can’t controlVariables in Retirement28:00 How much money is needed for retirement31:45 Taxes34:00 When to turn on Social Security35:45 Risk factors in retirementE-Mail Listener Questions37:45 How to manage retirement when your spouse passes away44:08 Is there a downside to delay retirement?46:45 What to do when you’re laid off near retirementReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDsRetirementPlanning #RetirementRisks #RetirementBlueprint #TaylorSwift #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Is your retirement plan in shape—or are you just winging it? In this episode, Tom Mosley shares why financial “fitness” matters more than ever as you move from building wealth to preserving it. Learn how to take a true retirement inventory, avoid costly Medicare mistakes, and why writing down your goals can make a big difference. Plus, Tom answers listener questions on early retirement, gifting to adult children, and finding purpose in your next chapter.Chapters00:00 Intro05:00 DIY Retirement isn’t as easy in preservation stage vs. accumulation08:30 What matters more than degrees and certifications12:30 Getting your finances in shape takes time15:30 How being in retirement is different from approaching retirement21:50 Medicare at 65 – Be careful who you speak with28:00 Get help now so you’re set by end of the year29:40 The power of writing down your goals 35:25 How to take a retirement inventory38:30 Email Questions: Early Retirement considerations 43:30 Email Questions: Gifting young adults now vs. later47:00 Email Questions: Empty Nester considering going back to schoolReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

If you’re a natural saver, you’ve done the hard work, but the habits that helped you build wealth might not help you enjoy it in retirement.In this episode, Tom breaks down how to balance safety with smart investing, manage taxes, and bust common financial myths that trip up even the best savers.🎙️ Learn how to make your money work for you and how to move from saving to living in retirement.Chapters00:00 Intro02:33 Tips for Natural Savers: Having too much cash? 07:00 Understand your risk tolerance, capacity, & portfolio risk09:15 Dealing with taxes 11:30 Make sure to enjoy your money14:50 Fortunes turned into financial wisdom27:43 Financial “Myth Busters” 39:50 Listener questionsReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

This week we cover smart moves for retirement, from deciding whether downsizing makes sense, to what the game of golf can teach you about planning your future. We’ll also share what to expect in a first meeting with Mosley Wealth Management and answer listener questions on insurance, moving, and handling unstable income.Chapters00:00 Intro02:30 How to Decide if You Should Downsize in Retirement 10:25 What golf can teach you about retirement16:30 Playing to the middle of the green 18:30 Having different clubs is like having a diversified portfolio.21:30 Leaning on a caddy/coach is like working with a financial advisor.24:55 What a first meeting looks like at our firm39:30 Should I buy a new insurance policy with the cash value of my old one?44:15 Considering moving again, but next to friends. Does that make financial sense?47:05 Making a lot of money in an unstable job. What should I do?Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #GolfandRetirement #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #Downsizing #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

The last 10 years before retirement can make or break your future. In this episode, we cover the essentials - money, healthcare, debt, risk, taxes, and fees, plus listener questions on family expenses, flipping houses, and 401(k) rollover options. Don’t miss these practical insights to help you retire smarter and more secure.Chapters03:50 Knowing how much money you’’ll really have to work with08:30 Understanding your healthcare & hidden costs10:15 Making the numbers work together13:25 Tackline debt before retirement18:25 Fees that can eat away at your next egg19:59 Assessing your Risk level21:35 How Taxes impact your retirement income25:49 When it might be time to changes advisors37:30 Listener Q&A - Managing big family expenses41:15 Listener Q&A - Flipping houses as an investment45:05 Listener Q&A - 401K options when leaving a jobWhether you’re planning to retire in 5 years or 15, these insights will help you create a stronger financial foundation and design the retirement you want.Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

The first year of retirement is full of excitement—and challenges. In this episode, Tom Mosley shares how what to really expect, how to set up a smart withdrawal strategy, find purpose after leaving work, and the pros and cons of part time work. Learn how the right plan can help you navigate it all with clarity and confidence.Chapters00:00 Intro01:15 What to expect the first year of retirement04:50 Determining a withdrawal strategy08:50 Finding purpose in retirement13:45 Searching for security20:30 Working part-time26:18 Real or Unreal: Reading of the will?28:40 Real or Unreal: Discovering an old account?31:30 Real or Unreal: Inheriting money?37:10 What do you do when you have a windfall after selling a business?44:15 What are the taxes from inheriting a brokerage account from a relative47:45 How a retirement plan can help you navigate all the issues you’ll encounter Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Retirement is like a road trip - you need a destination, a route, and the right guide. In this episode, Tom Mosley reveals how to avoid the biggest detours and excuses that keep people from being financially prepared.Chapters00:00 Intro03:19 You need to decide where you’re going05:58 What route are you going to take to get there?09:40 Who/what are you going to listen to?11:55 The benefits of cruise control13:40 How to go to a live event 15:50 Financial famous last words25:58 Blaming financial troubles on Gray Divorce30:35 Blaming financial issues on a broker39:00 Blaming your kids & parents43:30 Blaming Washington D.C.48:00 Blaming not planning for health careReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

In this episode, Tom draws on 30 years of real-world financial experience to put Ramit Sethi’s I Will Teach You to Be Rich to the test. From defining what a “rich life” really looks like to unpacking the truth about credit cards, Tom separates financial fact from fiction.   You’ll also hear:The must-ask questions every business owner should consider before retirementA breakdown of today’s financial “fake news” and what really mattersPractical answers to listener questions on merging money after remarriage and giving generously in retirementSmart insights, straight talk, and strategies you can use—this episode is packed with real answers for real financial decisions.    Chapters00:00 Intro03:25 Designing your rich life?08:27 Spend Less – Without Making a Detailed Budget?10:28 Love/hate with Credit Cards13:55 Business ownership & Retirement - Questions you need to ask26:14 Fake News! The headlines vs. Reality38:00 Listener Question – Just remarried, thoughts on combining finances?45:55 Listener Questions – Giving away money in retirementReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================   ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs                                                                                                                                        #RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy                                                                                                                                                  DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

What do The Beatles and retirement planning have in common? A lot more than you think! In today’s episode retirement specialist Tom Mosley and host Marc Killian spin timeless song titles into powerful lessons for your financial future.From All You Need Is Love (why support matters when fear takes over), to Let It Be (handling volatility without making rash moves), to Yesterday (preparing for life’s unexpected curveballs)—the Fab Four’s music sets the stage for insights every retiree needs to hear.But that’s not all. Tom also exposes the hidden flaws of 401(k)s—like high fees & limited investment choices, and tackle retirement moves that are much harder than they look: Social Security timing, portfolio diversification, Roth conversions, and more.If you love The Beatles, or just want a fresh take on how to secure your retirement, this episode hits all the right notesChapters00:00 Get to know us!03:40 All You Need is Love07:40 Let it Be12:24 Get Back18:50 Yesterday24:24 401K Imperfections 34:34 Retirement moves that are harder than they look46:30 What’s a Retirement Blueprint?#Beatles #RetirementPlanning #NearRetirement #401K #DiversificationReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement#HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Life doesn’t always go according to plan—so your retirement strategy shouldn’t depend on perfection. 𝗜𝗻 𝘁𝗵𝗶𝘀 𝗲𝗽𝗶𝘀𝗼𝗱𝗲, 𝘄𝗲 𝗲𝘅𝗽𝗹𝗼𝗿𝗲 𝗵𝗼𝘄 𝘁𝗼 𝗯𝘂𝗶𝗹𝗱 𝗮 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻 𝘁𝗵𝗮𝘁 𝘀𝘁𝗮𝗻𝗱𝘀 𝘀𝘁𝗿𝗼𝗻𝗴 𝗲𝘃𝗲𝗻 𝘄𝗵𝗲𝗻 𝗹𝗶𝗳𝗲 𝘁𝗵𝗿𝗼𝘄𝘀 𝗮 𝗰𝘂𝗿𝘃𝗲𝗯𝗮𝗹𝗹. Whether it’s an unexpected layoff at 61, a health issue, a divorce, or the unique challenges Gen Xers face, we’ll walk through key steps you can take today to prepare for uncertainty. From evaluating fixed indexed annuities to choosing the right investment opportunities, this show will provide you some solid ideas to help you stay on track—no matter what life brings your way.Chapters00:00 Building your retirement – How to plan for what you can’t control03:40 Steps pre-retirees should take now09:20 Retiring when and how you want15:30 GenX retirement challenges19:50 The part Fixed Indexed Annuities can play in a plan 28:00 The impact of divorce on your retirement41:30 Listener Questions: 61 & laid off – Can I retire?48:00 Listener Questions: Managing retirement with potential health issues?51:00 Listener Questions: Should I try newer investment opportunities? Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs                                                           #RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement#HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

A sweeping new retirement bill is changing the game—are you ready? In this episode, we break down how the "Big Beautiful Bill" could reshape your retirement, from tax brackets and healthcare to income planning and legacy strategies.You’ll discover:•    What the new legislation means for your taxes and healthcare costs•    How to build a strong income foundation based on your personal risk tolerance•    Why understanding the 3 stages of retirement can help you avoid common pitfalls•    The importance of balancing growth, safety, and liquidity with retirement buckets•    Smart moves for passing on wealth and protecting your legacyIf you're nearing retirement or already there, this episode is packed with must-know insights to help you protect and optimize your next chapter.Chapters00:00 How the Big Beautiful Bill will impact your retirement02:50 Bonus Deduction for Seniors05:20 Why you need to know your tax bracket & why09:30 Healthcare & the new bill 16:00 Why a solid foundation is important in retirement18:20 The retirement foundation starts with income22:25 Understanding risk tolerance30:30 The different kinds of buckets you need in retirement35:30 3 Stages of Retirement42:20 The parts of a plan & Healthcare48:00 Legacy planning & generational wealth#RetirementPlanning #NearRetirement #BigBeautifulBillReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement#HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Are you planning for retirement? In this episode, we dive into two of the most underestimated—but vital—factors that could make or break your retirement: Social Security and healthcare.You’ll learn why so many people are taking a closer look at Social Security, how to plan for potential benefit reductions, and why doing a financial check-up before retirement is essential. We also tackle one of the biggest blind spots in retirement planning—healthcare costs—and explain what you need to know when evaluating plans and preparing for long-term care.Plus, we answer listener questions about covering nursing home expenses, saving for retirement a decade out, and how to know you’re getting the right financial guidance.If retirement is on your horizon, this is one conversation you can’t afford to miss.Chapters00:00 People are paying more attention to Social Security04:10 Factoring potential Social Security decrease in retirement planning17:35 The importance of doing a financial check-up near retirement31:30 Health Care: One of the biggest issues retirees run into when reviewing plans43:15 Listener Question: How do I cover nursing home care?48:50 Listener Question: How much should I set aside if I’ll retire in 10 years?51:15 Listener Question: How do I make sure I’m getting the right guidance?#RetirementPlanning #NearRetirement #SocialSecurity #HealthCareinRetirementReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here: https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement#HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Retirement should be a time of freedom—not fear. 𝗜𝗻 𝘁𝗵𝗶𝘀 𝗲𝗽𝗶𝘀𝗼𝗱𝗲 𝗼𝗳 𝗥𝗶𝗴𝗵𝘁 𝗼𝗻 𝘁𝗵𝗲 𝗠𝗼𝗻𝗲𝘆 𝘄𝗶𝘁𝗵 𝗧𝗼𝗺 𝗠𝗼𝘀𝗹𝗲𝘆, 𝘄𝗲 𝗲𝘅𝗽𝗹𝗼𝗿𝗲 𝗵𝗼𝘄 𝘆𝗼𝘂𝗿 𝗺𝗶𝗻𝗱𝘀𝗲𝘁, 𝗵𝗮𝗯𝗶𝘁𝘀, 𝗮𝗻𝗱 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀 𝗰𝗮𝗻 𝗲𝗶𝘁𝗵𝗲𝗿 𝗳𝘂𝗲𝗹 𝗼𝗿 𝗿𝗲𝗱𝘂𝗰𝗲 𝘀𝘁𝗿𝗲𝘀𝘀 𝗶𝗻 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁. Tom breaks down how emotional decisions can derail even the best retirement plans and offers actionable steps to regain control. You’ll learn:•    Why turning off the noise (like daily news) can help your financial peace of mind•    How diversification and a strong income plan help weather market volatility•    The psychological traps—like herd mentality and overconfidence—that lead to financial missteps•    How to avoid common scams targeting retirees•    Why liquidity, protection, and income are the cornerstones of a resilient retirement strategyTune in for practical tools to help you calm the chaos and build a retirement rooted in confidence—not stress.Chapters00:00 Weathering the ups and downs of retirement05:26 Turn off the news06:30 Diversification09:38 Social Security as a portion of your income15:00 The psychology of your money16:30 Heard mentality18:12 Overconfidence biased21:10 Examples of mistakes28:00 Don’t fall for these scams33:35 Protecting your money43:20 Growing your money47:53 Understanding retirement Income51:50 Having liquidity in your retirement#RetirementPlanning #FinancialFreedom #EmotionalFinance #RetirementStress#MoneyAndMindset #NearRetirementReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement#HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Retirement is more complex than ever in today’s economy. What works for one person may not work for another—especially for small business owners. In this episode, we explore the evolving retirement landscape, highlight key challenges many business owners face, and take a deep dive into the unique financial and planning obstacles entrepreneurs encounter as they prepare for life after business. Whether you're nearing retirement or still building your legacy, this episode offers practical insights to help you plan with clarity and confidence.Chapters00:00 Managing retirement in today’s world06:45 The reality of a specific retirement benchmark14:00 Retirement for Small Business Owners#smallbusinessretirement #RetirementMistakes #RetirementPlanning #RetirementBudget #NearRetirementReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here: https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement#HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

A solid retirement plan isn’t complete without a well-crafted estate plan. In this episode, we break down why planning and protecting your legacy is just as important as building it. From living trusts and powers of attorney to tax-smart strategies and long-term care, discover the tools that ensure your wishes—and your wealth—are honored well into the future.Chapters00:00 Why an Estate Plan is so important09:55 Components of an Estate Plan14:50 The 2 types of Living Trusts (revocable/irrevocable)27:49 The importance of Beneficiary designations42:50 Tax efficient strategies in wealth transfer47:50 CRT Trusts (Charitable Remainder Trusts)48:30 Long Term Care Planning#legacy #livingtrusts #RetirementMistakes #RetirementPlanning #RetirementBudget #NearRetirementReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan. Check this video out: https://youtu.be/QkJzvbZ_gDs#legacy #LivingTrusts #RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

In this episode, we uncover the “investment crimes” you may be committing without realizing it—like chasing unrealistic returns, neglecting taxes, or relying on windfalls. Using infamous criminals like Al Capone, the Wolf of Wall Street, and D.B. Cooper as cautionary tales, we highlight what not to do with your money in retirement—and how to stay financially free.Chapters00:00 Investment Crimes You May Be Committing06:36 Chasing unrealistic returns (Ponzi)14:50 Neglecting tax obligations (Al Capone)22:57 Determine your tax liability at easemytaxbill.com28:10 Reckless financial behavior (Wolf of Wall Street)41:11 Failing to Plan (John Dillinger)47:31 Relying on one-time windfalls (D.B.Cooper)#RetirementMistakes #RetirementPlanning #RetirementBudget #NearRetirementReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement#HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

In Part 2, Tom & Kristin reveal the biggest retirement mistakes retirees are making that they regret the most. Hindsight is 20/20, so take a listen so you can avoid the mistakes and take the steps you need to enjoy retirement regret free!You’ll learn details & strategies on:✅Social Security✅Taxes✅ROTH Conversions✅Long Term CareChapters00:00 The Biggest Retirement Mistakes Retirees Regret04:55 Recap of Part 1 06:44 Mistake #5 15:35 Mistake #6 27:52 Mistake #7 38:45 Mistake #8#RetirementMistakes #RetirementPlanning #RetirementBudget #NearRetirementReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan. Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement#HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Tom & Kristin discuss the biggest retirement mistakes retirees are making that they regret the most. Since hindsight is 20/20, take a listen and learn what they are so you can avoid the mistakes, and take the steps you need to enjoy retirement regret free!Chapters00:00 The Biggest Retirement Mistakes Retirees Regret Making05:50 Mistake #1 15:50 Mistake #2 32:40 Mistake #3 41:05 Mistake #4 #RetirementMistakes #RetirementPlanning #RetirementBudget #NearRetirementReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan. Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Learn how to avoid a tax avalanche in retirement! We cover smart strategies to reduce taxes, the impact of income brackets, legislative risk, the rise of Roth accounts, and why tax planning beats tax prep. Plus, how RMDs and ROTHs fit in—and a look at EaseMyTaxBill.com. Tune in to learn how you can take control and ease the weight of taxes in retirement.Chapters00:00 – How to Save on TAXES in Retirement07:50 – How retirement income brackets affect taxes14:15 – Legislative risk causing tax issues23:14 – The “Rothification” of the US28:20 – Tax Preparation vs Tax Planning39:00 – EASEMYTAXBILL.COM42:00 – RMDs & ROTHsSubscribe for more retirement strategies#RetirementTaxes #RetirementPlanning #MarketVolatility #NearRetirementReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👉 https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan. Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement#HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

𝗪𝗼𝗿𝗿𝗶𝗲𝗱 𝗮𝗯𝗼𝘂𝘁 𝗿𝗲𝘁𝗶𝗿𝗶𝗻𝗴 𝗱𝘂𝗿𝗶𝗻𝗴 𝗮 𝗱𝗼𝘄𝗻 𝗺𝗮𝗿𝗸𝗲𝘁?Market volatility can feel like a gut punch when you’re close to retirement. In this episode, we’re sharing 5 practical things you can do right now to protect your retirement savings and regain control of your plan—even when the market is tumbling.We cover how to adjust your retirement strategy, delay withdrawals, diversify income, and use powerful tools like Roth conversions to your advantage. If you're within 5–10 years of retiring, this is a must-watch!✅ Don’t panic—get a plan.Like this video, subscribe for weekly retirement tips, and drop a comment with your biggest concern about retiring in a volatile market.Chapters00:00 – 5 Things to Do Now if You’re Near Retirement & the Market is Tanking06:07 – Revisit Your Financial Plan (Make sure you have one!)08:28 – What Goes Into a Comprehensive & Holistic Retirement Plan15:15 – How to Revisit Your Financial Plan27:51 – Delay Withdrawals33:00 – Consider Roth Conversions40:18 – Diversify Your Income Sources46:00 – Review Your Spending Plan48:25 – How a Financial Planner Can HelpSubscribe for more retirement strategies#RetirementPlanning #MarketVolatility #NearRetirementReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👉 https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement#HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Women face a very different retirement reality than men — and it’s not just about living longer. On average, women:•Have less saved for retirement due to caregiving roles and time out of the workforce•Receive smaller Social Security checks•Often feel less confident about financial decisionsIn this eye-opening episode, we explore the unique financial challenges women face in retirement — and the critical steps to take before you’re in crisis mode.We discuss:✅ Why planning for longevity is a must✅ How to overcome gaps in financial literacy and take control of your money✅ Social Security survivor benefit strategies✅ How to reduce the impact of the Widow’s Tax Penalty✅ Common mistakes women make — and how to avoid them💬 “Planning ahead isn’t pessimistic — it’s powerful.”Whether you're married, widowed, or navigating retirement on your own, this episode will help you build the clarity, confidence, and control you need for the future.Tune in now and start securing your independence — one smart decision at a time.#WomenAndRetirement #WidowsPenalty #FinancialIndependence #RetirementPlanning #WomenAndMoney #SocialSecurity #LongevityPlanningJump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 The Unique Retirement Challenges Women Face (and how to overcome them)15:00 Why women face such unique retirement challenges21:10 Common mistakes women are making28:15 What women can do – strategies to implement now!36:00 How women can optimize Social Security31:30 The widow’s penalty – what to know Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👉 https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan. Check this video out: https://youtu.be/QkJzvbZ_gDsDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com

Taking money out of your retirement accounts before age 59 ½ usually triggers a 10% early withdrawal penalty – the good news is there are actually 20 (and soon to be 21) instances where you can AVOID the penalty!In part 2 of our 2-Part series, retirement experts Tom Mosley and Kristin Oakley walk you through more of the real-life situations where early withdrawals from your IRA, 401K, 403(b), and other “4-plans” may be penalty-free. From first time home buying to Higher Education and medical expenses, discover the little-known exceptions that can help you access your retirement funds without getting hit with an extra tax bill.If you’re facing a financial emergency – or just want to be prepared – this episode is a must listen. You’ll learn how to make smarter, penalty-free decisions in tough times, and why having a personalized retirement blueprint can make all the difference. Discover:•Why people withdraw early – and what options they may not know about•The 21 Exceptions to the 10% early withdrawal penalty•Why planning ahead can help you avoid regret#IRAWithdrawl #RetirementPlanning #RetirementAccounts #Tom Mosley #EarlyWithdrawalPenalty #RetirementStrategies #401kStrategy Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Intro02:15 Recap of last week’s shows: Why people are withdrawing early.05:08 Recap of exemptions related to Retirement Plans & IRAs. 06:24 Exemptions that are related to ONLY IRA withdrawals.14:00 Exemptions that are related to ONLY Workplace Retirement Plans.31:12 Upcoming 21st “exception” to early withdrawal penalties.32:40 Who can use the 10% penalty exception.38:00 Recent Super Catch-Up Contributions for People 60-63Have specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👉 https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan. Check this video out: https://youtu.be/QkJzvbZ_gDsDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com