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

In this episode, we're pulling apart some of Madonna's most iconic lyrics - and find surprising financial wisdom hiding in plain sight. From Material World to Papa Don't Preach, we connect the dots between 80s pop culture and the real decisions you're making about your retirement today.We also cover our "Financial Commandments" - a set of rules we believe every retiree should live by, especially when the market gets rocky. Plus, we tackle two listener questions: one about Social Security eligibility after years of part-time work, and another about what happens financially if a spouse who's always managed the money passes away.Whether you're a Madonna fan or not, this episode blends a little nostalgia with a lot of practical retirement guidance - the kind you can actually use.Chapters00:00 IntroRetirement Wisdom in Madonna’s Lyrics03:40 Living in a material world06:00 Papa don’t preach08:52 There’s no time to hesitate…11:40 It’s time to celebrateFinancial Commandments15:55 Don’t compare your results with the market20:05 Don’t give up before your strategy has had time to play out23:30 Don’t be too greedy26:35 You can’t avoid fees – but know what they areDo You Need an Advisor?30:40 Items to consider determining if you need one35:05 The role of an AdvisorListener Questions40:15 Do I get Social Security if I worked part time for a variety of years?43:10 My husband has always done the financials - am I ok if he passes?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#RetirementRules #Madonna #RetirementWisdom #Retire #RetirementJourney #RetirementBlueprint #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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

We’ve got a little something for everyone this week. From client meetings to Fly Fishing to a few truth bombs along the way, we unpack the retirement knowledge that actually matters. From understanding what’s important in a conversation with your advisor to lessons learned on the river, this episode covers more ground than your usual retirement chat - but It all circles back to the same question: are you ready for what’s next?We’ll get into what “ready” really means, because this chapter isn’t just about the numbers, it’s about knowing what you’re stepping into and stepping in prepared.Chapters00:00 IntroClient Reviews03:30 How client reviews work at MWM05:45 Various types of clients we see in meetingsWhat Fly Fishing Can Teach About Retirement16:00 You have to read the water20:00 Patience22:45 Technique mattersRetirement Truth Bombs28:30 Bonds aren’t as reliable as they used to be31:20 Income taxes are historically low right now34:00 Be concerned about your own behavior35:20 Just because you’re smart doesn’t mean you can manage moneyListener Questions  39:20 Should I open a trump account for my grandkids?42:45 How long should I be paying into life insurance?45:40 Should we get in a retirement community now or later? 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#RetirementTruths #FlyFishinginRetirement #Retire #RetirementJourney #RetirementBlueprint #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 isn't what it used to be, and if you're a Boomer, the stakes have never been higher. In this episode, we kick things off with some surprisingly sharp retirement wisdom from the one and only Betty White, whose approach to health, work, and relationships offers more insight than you'd expect.From there, we dig into the real challenges facing Boomers today: the massive generational wealth transfer already underway, and the biggest mistakes we see Boomers make as they head into (or through) retirement.We also cover the sneaky ways people get thrown off track, from over-relying on AI and online retirement calculators, to well-meaning but bad advice, and what steps you can take to course-correct if you feel like you've drifted.Whether you're already retired, approaching it, or just trying to help your parents navigate it, this episode is packed with practical, honest advice for the road ahead.Chapters00:00 IntroBetty White Quotes & Retirement Advice02:25 On health07:30 On retiring – or not10:40 On maintaining relationshipsThe Challenges Boomers Face16:45 The transfer of wealth challenges23:00 Biggest mistakes Boomers makeThings That Can Throw You Off Track in Retirement28:05 Projections & AI/Online Calculators31:00 Bad advice32:45 Steps to get back on trackListener Questions37:15 Should I work with a financial advisor43:05 Where should I put money if the market crashes?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#BoomersinRetirement #Retire #RetirementMistakes #RetirementBlueprint #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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

Just like your closet or junk drawer at home, your financial life collects clutter over the years. Do you have a collection of old accounts? Do you know where they are? Are you still saving and investing with outdated advice? In this episode, we explain why "getting organized" is one of the most overlooked, and most important, steps in retirement planning. We'll walk through practical tips for getting organized, building a budget, and honestly assessing whether what you have still "fits" your goals.Clutter isn't just about old accounts, it's about bad information, too. We tackle two major sources of financial noise: misleading headlines and outdated rules. From "sky is falling" doom messages to overly bullish hype, we explain how to read financial news without letting it derail your plan. We also debunk retirement rules that no longer hold up, like the idea that everyone needs exactly $1 million to retire.Plus, we answer real listener questions on preparing for retirement in your 50s, whether to take more income or find part-time work, and how to balance spending now versus saving for later.Whether you're just starting to organize your financial life or fine-tuning your plan before retirement, this episode will help you cut through the clutter and prepare with confidence.Chapters00:00 IntroFinancial Junk Drawer02:20 How your financial life is like a closet04:00 Retirement planning requires you to get organized07:20 Tips to get organized09:00 Creating a budget11:35 Assessing if what you have still “fits”Misleading Headlines15:10 Beware of the “sky is falling” messages18:45 Be careful of the bullish messages 21:30 Interest rates24:10 Product pushingOutdated Rules 29:00 Withdrawal rates33:11 10-5-3 rule34:15 Moving stocks to bonds in retirement35:55 Having a million dollars for retirementListener Questions40:15 I’m 51, what should I do to prepare for retirement?44:15 Should I take more money out or get a part-time job?47:00 I’m 57, should I spend now or save till 65?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#HowToOrganizeFinances #Retire #RetirementJourney #RetirementBlueprint #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 contemplating retirement more and more but not quite sure how ready you really are? You're not alone. In this episode, we walk through how to evaluate your "desire to retire," where you land on the scale, and what to do next once you know.We'll also dive into generosity in retirement, sharing tips on how to give wisely and avoid the trap of being too generous at the expense of your own financial security. Because wanting out is only half the equation; knowing how to steward what you've built is the other.If you've ever found yourself secretly counting down the days till retirement, this one's for you.Chapters00:00 IntroThe Desire to Retire – What Level are You?01:55 Level One: You enjoy what you do04:45 Level Two: You could retire, but you like the money 06:10 Level Three: You’d like to retire, but don’t know how07:55 Level Four: You want to retire09:25 Level Five: You need to retire – like yesterday!Retirement Lessons from Shaq Quotes13:40 Why Shaq?15:40 On habits17:50 On taxes21:30 On worrying24:10 On motivationGenerosity28:00 Advising retirees who are generous33:40 Advising retirees who are TOO generousListener Questions40:30 How often should I meet with my advisor near retirement?46:05 Laid off & close to retirement. Should I take unemployment?48:25 Want to retire early – what should I 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#WhentoRetire #RetirementJourney #RetirementBlueprint #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 planning a trip to a National Park have to do with planning your retirement? More than you'd think! In this episode, we break down 5 simple rules every National Park visitor knows and show you exactly how they apply to building a retirement that actually works. From why you need a map before you start the trip, to why "packing light" might be the smartest financial advice to consider, this episode reframes retirement planning in a way that's practical, memorable, and (dare we say) fun.We'll also cover some of the easiest, and most common ways people accidentally sabotage their own retirement, from treating it like a finish line instead of a fresh start, to investing like they're still decades away from retiring. And we'll bust a few "retirement lies" that sound reasonable on the surface but can quietly disrupt your plans.Whether you're a few years out from retirement or already living it, this episode will help you think about the road ahead with a little more clarity and a lot less stress.Chapters00:00 IntroRetirement Planning is like visiting National Parks02:10 You need a map06:00 Don’t leave a mess08:25 Taking the scenic route10:15 Pack light11:55 Every park is differentEasy Ways to Ruin Retirement14:53 Looking at retirement as an end & not a beginning21:15 Assuming your spending won’t change23:30 Stop moving and socializing25:35 Investing like your 35 and not 65Retirement Lies28:30 Current lies in today’s market31:30 “A loss on paper… the market always bounces back”35:25 “You can beat the market”Listener Questions40:00 Offered a buyout on pension – what should I know?44:45 What’s a reasonable rate of return on investments?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  #RetirementFreedom #RetirementJourney #NationalParks #RetirementBlueprint #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 isn't just about having enough money - it's about having enough freedom.In this episode, we're pulling apart what "independence" really means once you retire. It's easy to picture financial freedom as just a number in your account, but true independence in retirement touches nearly every part of your life – and some of it might surprise you.We're also breaking down a critical mistake many retirees make when reacting to market downturns, and why hindsight can be your biggest enemy when it comes to protecting your nest egg.If you're nearing retirement or already there and want to make sure you're building a plan that gives you real freedom, not just a bigger balance, this episode is for you.Chapters00:00 IntroLessons Learned from the Independence Holidays03:23 Hot Dogs reflect a retirement standard06:04 Fireworks and the market08:13 Parades = Community/family11:15 FreedomIndependence in Retirement14:45 Independence from the Government18:40 Independence from family20:00 Independence from creditors22:00 Independence from the market24:30 Independence from work26:10 Independence from worryAre You Acting on Hindsight28:30 Market downturn34:17 RiskListener Questions39:20 What is an actual emergency fund? 43:14 What happens to your 401K when you leave work?45:50 Gray divorce & 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#RetirementFreedom  #RetirementIndependence #RetirementBlueprint #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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

Toto, I've got a feeling this episode is different. We're pairing two of America's favorite pastimes, classic movies and money, to bring you wisdom that sticks.First, we dig into financial lessons hiding in iconic movie lines, from Terminator's "I'll be back" to The Wizard of Oz's "We're not in Kansas anymore." Turns out Hollywood has been quietly teaching us about money all along.Then we shift gears to the real world: the five most common mistakes pre-retirees make, from investing too aggressively to skipping a Social Security strategy, and more. Whether you're a movie buff, a soon-to-be retiree, or both, this episode has something for you.Chapters00:00 IntroFinancial Wisdom from Classic Movies02:04 “I’ll be back”05:50 “I’ll have what she’s having”09:15 “I have a feeling we’re not in Kansas anymore”Mistakes Pre-Retirees Make14:25 Investing too aggressively18:40 No Social Security strategy21:00 Tax Prep vs Tax Planning23:05 Assuming Health Care is covered by Medicare23:55 Taking Risk to Make Up for Lost TimeEstate Planning30:00 There is a Risk in Living a Long Time36:00 Addressing Income in RetirementListener Questions39:00 Should I purchase or rent a 2nd home out-of-state in retirement?43:45 How to set up spousal benefits in retirement47:15 How do I know if I’m knowledgeable enough on retirement issuesReady 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 #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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

Top Gun just turned 40, and it's full of surprising money lessons. In today’s show Tom & Marc kick things off with some surprising money lessons from the movie, then shift gears to show you how building a solid financial plan is a lot like building a house. We wrap up the show with a deep dive into guaranteed income, where it comes from, the choices you'll face along the way, and why planning for inflation is non-negotiable if you want that income to last.Whether you're just starting to think about retirement or fine-tuning a plan you've already built, this episode has something for you. Buckle up.Chapters00:00 IntroFinancial Advice from Top Gun02:45 Feeling the need for speed07:15 Your ego is writing checks your body can’t cash11:00 Highway to the danger zoneBuilding a Retirement House15:35 The foundation: Income 22:15 The walls: Investments & Taxes23:30 The roof: Insurance & Health planning25:30 Final touches: Legacy planningGuaranteed Income28:15 Where it comes from31:45 Choices on pensions33:50 Planning for inflationListener Questions39:00 How to simplify accounts?43:55 Investing in international markets?46:30 51 & empty nester, can I go back to school & take out loans?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#TopGun #Maverick #RetirementPlanning #RetirementRisks #RetirementBlueprint #Social Security #GuarnateedIncome #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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

No matter where you are in life, building your career, raising a family, or approaching retirement, the financial decisions you make today will shape the life you live tomorrow.In this episode, we're covering some of the most important things women need to hear about retirement and real estate, and why waiting too long to plan could cost you more than you think.We kick things off by breaking down how financial risk shifts at every stage of life, from your 30s and 40s all the way into your 50s and 60s and what that means for how you should be investing and planning right now.Then, we dive deep into retirement planning for women, because the truth is, women face unique challenges that most financial conversations simply ignore. We talk about why women need to be even more intentional about retirement, and we have an honest conversation about the financial realities widows often face and how to prepare.We close out with one of our favorite topics, your home. Should you pay it off early if you have a low interest rate? Is tapping into your home equity ever a smart move? And what's the real story behind reverse mortgages? We cover those topics and more, so tune in!Chapters00:00 IntroThe Seasons of Risk05:10 Risk in your 30s & 40s08:00 Risk in your 50s & 60sRetirement Planning for Women15:40 Why retirement planning is more important for women21:25 The challenges that face widowsOn the House28:32 Should I pay off my house with a small interest rate?34:12 Should I pull money from home equity to pay for other things?37:00 Reverse mortgages Listener Questions41:15 When do I start over with my retirement plan44:25 Remarried with an older man & retirement plansReady 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 #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 closer than you think, but are you truly prepared? In this episode, we cut to the chase and give you the straight talk on what most people get wrong as they head into retirement.We start by uncovering some of the most common and costly mistakes people make right before retiring, from underestimating the risk in bonds, to skipping long-term care planning.Then we tackle the retirement terms that confuse almost everyone. What's the real difference between a ROTH contribution and a ROTH conversion? Term life vs. whole life? Fixed vs. variable annuities? Traditional IRA vs. ROTH IRA? We explain it all in plain language - no jargon, no fluff.Whether you're 5 years out or already stepping into retirement, this episode will give you additional knowledge you need to make smarter, more confident decisions about your financial future.Chapters00:00 IntroCommon Mistakes People Make as They Near Retirement03:00 Thinking bonds have no risk04:50 Not having a long-term care plan09:50 Not protecting yourself from too much risk11:30 Assuming a product may or may not be good for you.Confusion on Retirement Terms14:45 ROTH contribution vs. ROTH conversion20:30 Term Life vs Whole Life22:30 Variable vs. Fixed Annuities27:25 Traditional IRA vs. ROTH IRA34:45 Optimal ROTH windowsListener Questions39:15 61& being offered a pension buyout44:20 What’s a responsible investment return amount?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 #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 market. The news. The economy. It's easy to point fingers at everything happening out there, but what if the biggest obstacle standing between you and a great retirement is the story you're telling yourself? "I'm not good at saving." "The market is about to tank." "It's too late for me." Those stories are costing you more than you realize.This week we get honest about the power your mindset has over your financial future and how shifting the way you think can put you on an entirely different path. We also get practical, breaking down exactly what you should be doing right now to prepare for a market downturn, like assessing your risk, taking some of your winnings off the table while times are good, and making sure your portfolio is truly diversified.And we close things out with some wisdom from one of the greatest dreamers who ever lived, Walt Disney. Because it turns out, the principles behind building an empire aren't that different from building a retirement. Work should eventually stop being about money. And the difference between winning and losing? Simple. You don't give up.Your retirement is waiting. The only question is, are you going to get out of your own way?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 #MarketCrash #WaltDisney #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #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 if the biggest risk to your retirement isn't the market - it's YOU? This week we're unpacking the emotional side of money. Using the lens of Disneyland's most iconic rides, we walk through how the highs and lows of investing feel a lot like a theme park and why letting those feelings drive your decisions can cost you big. 🎢We get real about how the media is designed to trigger your emotions, why you're probably not as risk tolerant as you think you are, and how fear and overconfidence quietly wreak havoc on retirement portfolios every single day.Then we shift to the tax mistakes that catch retirees off guard, from RMD missteps to Roth conversion blunders, and take on real listener questions about downsizing, job loss near retirement, and whether spreading money across multiple banks actually makes sense.Your retirement deserves more than a gut reaction. Buckle up, stay seated, and let's take the ride together. 🎡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 #FearinRetirement #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

Not every popular financial strategy is the right one, especially as you approach or enter retirement. In this episode, we break down which commonly recommended financial moves may be overrated for retirees, and which ones often fly under the radar but deserve a much closer look.In this episode, we cover:🔹 Overrated Financial Moves🔹 Underrated Financial🔹 Roth Conversions 🔹 Listener Q&A 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 #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

Whether you're just starting to think about retirement or you're already deep in the planning process, today's show breaks it all down, from your very first meeting with a financial advisor, to the financial "characters" that play a starring role in your retirement story.We kick things off by walking you through what to expect in that first advisor meeting so you can walk in confident, prepared, and with the right questions. Then we introduce the cast: your 401(k)s, life insurance policies, emergency fund, and more - each one playing a unique role in the bigger picture.We close with an important and often overlooked conversation, how Social Security changes when a spouse passes away. From shifts in tax rates to changes in income, we cover what surviving spouses need to know and why planning ahead makes all the difference.Chapters00:00 IntroWorking with a Retirement Advisor03:05 What You Should Expect in the First Meeting“Financial Characters” that Play an Important Role in Retirement14:45 The 401K at your current job16:40 The 401K at a previous old job17:50 Life Insurance policies19:25 Emergency Fund21:40 ROTH IRA23:00 Social SecuritySocial Security Considerations after you Lose a Spouse25:43 Understanding the depth of change that occurs in losing a spouse29:10 Breadwinner30:41 Tax Rates Change33:50 Planning is essentialListener Questions37:10 Should I use a Target Date Fund?39:13 I like to work - do I need a backup plan 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

Life moves pretty fast and so does your retirement window. In this episode, we're taking a page from Ferris Bueller's playbook and asking the hard question: Are you actually making the most of what you have?We cover everything from what to do with forgotten 401Ks and old accounts, to life insurance, pension funds, and why keeping your finances organized could be the difference between a retirement you love and one you just survive. If you're 50+ and want to make sure every dollar is working as hard as you did, this episode is your wake-up call.Chapters00:00 IntroRetirement Wisdom from Ferris Bueller’s Day Off02:20 “Life moves pretty fast…”05:50 Having it but not using it.08:20 “The question isn’t WHAT are we going to do, it’s…”How to Handle Old Accounts14:10 Options for old 401Ks18:45 Life Insurance21:35 Pension FundsKeeping Things Separated30:20 Emergency Fund32:50 Life Insurance34:45 High Turnover FundsListener Questions38:55 Finding Hidden Money42:35 Should I do a Prenup with second marriages in later years?45:28 How to handle healthcare & retirement pre-Medicare? #RetirementPlanning #RetirementRisks #RetirementBlueprint #MarketRisk #TaxPlanning #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyReady 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-managementDISCLOSURE: 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 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