The Heart Of Your Money

Joe and Michael speak about the effects of long-term inflation and what that can mean for someone who is going to be entering retirement soon.Also, featuring special guest Matthew Prizzi - He is an expert in the mortgage industry & real estate space and speaks about different topics we think our listeners will take massive value from.

Joe and Michael speak about a list of things that they believe are the best ways to prepare for retirement... Including the best time to take social security and paying the least amount in taxes when you enter retirement.

Joe and Michael speak about what is smarter between getting out of debt first or would saving for their future be a better choice.

Joe and Michael speak about their 3 don'ts and go into detail on that matter, later in the episode, they speak about the best ways to protect your money in retirement and how to make sure you can lower your taxes in retirement as well

Joe and Michael bring in the new year speaking about the best tips for our listeners to start your new year off right and make sure your money is in the right places and you're making the right choices.

End of Year Do's and Don't.Michael and Joe go over Tips you should know before year end!

Joe and Michael speak about how to make sure the end of your financial year is set up correctly. They speak about when to take your RMD and correct the process around that.

Joe and Michael go over several things on their Do's and Don'ts list to make sure people take advantage of certain things or stay away from others.

Michael and Joe speak about an SDIC (Specially Designed Insurance Contract" and how they use that to help people get out of debt and allow them to have tax free income come to them later on

Michael and Joe have a conversation to help you understand as you all get closer to a well-deserved reward of your retirement years, it is critical to be awareof pitfalls that could wreck your financial security and your peace of mind.

Joe and Michael speak about their new strategy "Debt free 4 Life" and how it helps individuals get out of debt much faster than they ever thought and how they will have a tax-free cash account at the end to help them never go back into debt

Joe and Michael speak about their 3 things you must be aware of when it comes time to enter retirement... They go over not running out of money in retirement and much more

Joe and Michael have a conversation detailing how fast the debt and inflation are increasing and how that can have an affect on someone's retirement plan

Joe and his son speak on different topics to make sure your retirement is your one and only.

Joe and Michael speak about how important it is when it comes to having a retirement plan. They detail why having a plan in retirement is not only needed, but the foundation for a secure retirement

In this episode, Joe and Michael will speak about if the market suddenly takes a steep hit, how you will be prepared and have less to worry about.

Listen to Joe and Michael speak about how they think retiring simply should sound like. Where they give you a quick breakdown on their new brochure and explain what "Retire Simply" should feel like.

We discuss how new retirees can recover from crushing inflation, rate hikes and bank failures.

CW: Domestic Abuse This week I was joined by the stunning Teal Wicks. We chatted about crazy her Wikipedia page, her time as the green girl in Wicked, the Jekyll & Hyde revival, Carousel, and of course CHER!

Most people, when trying to plan their retirement, have to guess about the answers to some important questions. Let’s talk about some of those questions and why you need to have a better answer than just a guess. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

Time for a little fun on this episode. We’ll use some fill in the blank prompts to spark good discussion about relationships between advisors and their clients, the stock market, common planning mistakes, and much more! Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

Droves of workers are retiring early or taking a break from work as they change career paths. It’s become known as The Great Resignation. On this episode, we’ll highlight some of the key takeaways of a recent Forbes article and explore a lot of the impacts on retirement planning from across different age groups in the wake of this massive workplace shift that’s underway. Forbes Article: https://bit.ly/3IHqEba Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

We always get a lot of questions about how the house (or houses) fit into retirement plans. Let’s address some of the more popular questions and topics. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

We always get a lot of questions about how the house (or houses) fit into retirement plans. Let’s address some of the more popular questions and topics. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

Long term care can be one of the biggest expenses in retirement, but many of us fail to plan for it. A lot of people are uncomfortable with thinking about mortality and avoid planning for it altogether, while others don’t know where to start. On today’s show, we talk about the different ways you can plan for long term care and why you should get a plan for this financial aspect of retirement as soon as you can. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

One of the most important factors in a financial plan is the amount of risk you have in your portfolio. You never want to lose sight with how much risk you are comfortable with because this can cause fear, worry, and irrational decisions. Risk varies from person to person, so it's vital to get your risk tolerance customized to your comfort levels and not in a one-size-fits all plan. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

The 401(k) is one of the most common investment tools out there. A myriad of companies offer their own 401(k) plan and will often match a certain percentage to incentivize employees to contribute to the plan. As you get closer to retirement, you may consider doing a rollover. Some people choose to do this for safety, investment options, tax implications, and much more. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

It seems that most people don’t have a clear picture of whether they should contribute to a traditional IRA or a Roth. Let’s discuss how to determine which one is best for you based on who you are. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

A lot of people are unsure if they are actually able to retire. Some worry about leaving a career that they love, while others are concerned if they have enough money to last a lifetime. We discuss reasons why you may feel hesitant to retire and how putting a solid plan together can solve these concerns. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

There is so much confusion about annuities and the role that they can or should play as part of your retirement plan. This episode, we'll cover the four main types of annuities, talk about how Joe and Michael use them at JML Financial Group, and try to bring some clarity to a controversial subject. To learn more about fixed index annuities, check out this special report: https://bit.ly/3zDS7ps Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

Deciding how to take Social Security is one of the most important choices you'll make when you retire. On this episode, we'll break down five common Social Security myths so you can make sure you're making the proper decisions with your financial plan. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

If you’re of the age that your mom and dad retired 20 or 30 years ago, the world was a much different place when they walked away from their paychecks. Let’s talk about how things are different now. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

When you really boil it down, there’s really only three places where you can invest money. Let’s talk about the role that each of those worlds play in a good financial plan. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

Sometimes it’s important to really breakdown a financial buzzword. Non-Correlated Income qualifies as a worthy concept to explore and something that every retiree and pre-retiree should understand. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

You might be surprised to find out that a lot of people don’t do their due diligence or put in a considerable amount of thought into picking their advisor. And ultimately, that leads a lot of people to not understanding what they should expect from such a relationship. So, we want to clear some common misconceptions on this episode and clarify some of the ways you can evaluate your current advisor relationship and how to shop for, and find, the right advisor for you. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

When we talk about comprehensive financial planning, many people tend to focus on the investments and retirement income they should expect. But legacy and estate planning are easy to overlook when putting your plan together. Joe and Mike discuss the elements that make up this type of planning and why you should continually make sure these documents are up to date. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

It's no secret that the cost of healthcare only continues to rise each year, but we need to be proactive and plan for these costs. That's why we decided to dedicate an entire episode to explain the common healthcare costs in retirement and why it's crucial to update your important documents like a will, or beneficiary designations. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

Every year we are required to file our taxes, but many people overlook tax planning for the future. Joe and Mike talk to us today about the importance of having a tax-efficient plan and some strategies they use in their practice. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

Investments make up a large part of our financial lives. It's common to hear the media talk about the status of the S&P 500 and we also might hear out close friends and family talk about how they are invested in the stock market. It's important that you have a well thought out plan for your investments and Joe will discuss what steps you can take to get there. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

One of the biggest concerns from retirees and pre-retirees is running out of money. You have saved and put money away during the course of your working career, but now it's time to take money out and many people worry that what they have isn't enough. This issue can be addressed by putting together an income plan. Today, Joe and Mike share their 5 step process with us and what to expect when you sit down with them. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.

In their first episode, Joe and Mike share why they started this podcast, as well as what got them into the financial industry. They also provide insight into future topics they will discuss on the show and who they hope to help with their advice. Contact Info: Call: (856)-751-1771 Website: https://jmlfinancialgroup.com/See omnystudio.com/listener for privacy information.