EXTRAordinary Retirement

Real estate can be more than just a home—it’s a powerful tool for enhancing your retirement plan. In this episode, Nate Yeomans and Gregg Indovina explore innovative ways to integrate real estate into retirement strategies. They discuss leveraging equity, investment options, and managing risks to turn real estate into a resource that supports long-term financial goals.  With their knowledge, they help listeners reimagine real estate’s potential in achieving a fulfilling retirement. Nate & Gregg discuss:  Using home equity lines of credit and reverse mortgages as strategic tools for cash access during unexpected financial needs How to optimize rental properties to generate income while minimizing management challenges The pros and cons of downsizing to free up funds and simplify lifestyle in retirement Alternatives to owning physical properties, such as Real Estate Investment Trusts (REITs), and their impact on financial portfolios Strategic planning to maximize real estate’s role in providing tax benefits, mitigating risks, and enhancing overall retirement plans And more! Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

Retirement is about more than financial stability; it’s about designing a meaningful, fulfilling next chapter of life. What role do health and social connections play in your retirement satisfaction? How can understanding the psychological side of money improve your journey? In this episode, Nate Yeomans and Gregg Indovina talk with Brendan Frazier, Chief Behavioral Officer at RFG Advisory, about creating a purpose-driven retirement. Brendan shares his insights on aligning financial plans with life goals, focusing on health, and the importance of social connections. Brendan discusses:  The crucial role of social connections for fulfilling retirement The psychological side of money management Three pillars of a happy retirement: money, health, and relationships The pitfalls of delayed gratification and procrastination And more! Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676 Connect with Brendan Frazier: LinkedIn: Brendan Frazier Website: RFG Advisory About our Guest:  Brendan Frazier is the Chief Behavioral Officer at RFG Advisory. He joined RFG after founding Wired Planning, a global training platform for financial advisors. Brendan leverages his expertise in behavioral finance to support RFG’s advisors and their clients. He holds a BBA in Marketing from Belmont University.

Women are poised to control more wealth than ever before, but they continue to face unique challenges in financial planning. How can advisors create genuine connections to help women achieve financial confidence and purpose-driven wealth management? In this episode of EXTRAordinary Retirement, hosts Nate Yeomans and Greg Indovina welcome Shannon Spotswood, CEO of RFG Advisory and recognized leader in the financial services industry.  Shannon shares her insights on the transformative power of women and wealth, drawing on her personal journey and professional experience.  Listeners will learn about the unique financial challenges women face, the importance of financial literacy, and how women can achieve financial stability and independence by building self-confidence in managing their finances. They discuss:  Shannon’s journey in financial services The statistic that 70% of women leave their financial advisors in the event of death or divorce. “StrongHer Money” initiative aimed at empowering women to live financially fearless The upcoming generational wealth transfer and women’s pivotal role in managing this change And more! Resources: LinkedIn: StrongHer Money Instagram StrongHer Money  Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676 Connect with Shannon Spotswood: RFG Advisory LinkedIn: Shannon Spotswood [email protected] Instagram: Shannon Spotswood About Shannon Spotswood: Shannon Spotswood is a 25+ year industry veteran in financial services with an outstanding reputation built on leadership roles in professional management, investment banking, hedge fund management and business development. At RFG Advisory, Shannon oversees all aspects of RFG 2.0, a fully integrated platform designed for independent financial advisors and the implementation of strategic initiatives contributing to advisor success. Joining RFG Advisory in 2015, Shannon recognized the opportunity to combine her entrepreneurial experience with her passion to build an innovative, advisor-focused RIA of the future.

Have you ever wondered how to protect your legacy and ensure peace of mind for your loved ones? In this episode of EXTRAordinary Retirement by Design, Nate and Gregg welcome Kevin Forbush, an experienced estate planning attorney, to discuss the critical importance of estate planning.  You’ll gain invaluable insights into why estate planning isn’t just for the wealthy, the potential consequences of delaying your planning, and practical steps you can take today to minimize estate taxes and protect your assets from creditors. They discuss: Introduction to Kevin Forbush and his experience in estate planning. The necessity of estate planning for everyone, not just the wealthy. Strategies to minimize estate taxes and the tools you can use. Understanding the complexities of choosing the right trustee for your estate.   Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676 Connect with Kevin Forbush: LinkedIn: Kevin Forbush Forbush Legal, PLLC 719-473-6654   About our Guest:  Kevin is an attorney licensed in Colorado, Texas, and Wyoming. He is also a CPA actively licensed in Colorado. His combination of legal and accounting experience makes Kevin uniquely qualified to counsel clients on the complex issues where the law, taxes and financial matters intersect. Kevin focuses his practice on estate planning, tax planning, asset protection and business planning. Kevin earned his Bachelor of Science in Business Administration (with a concentration in Accounting) from California State University, San Bernardino, in 1982 and his Juris Doctor, cum laude, from the University of California, Hastings College of Law in 1988. Kevin retired in 2006 as a Lieutenant Colonel from the United States Air Force Reserves after 24 years of active-duty and reserve service. He served most of his military career as a member of the Air Force Judge Advocate General (JAG) Corps. ​He is currently a member of the Colorado State Bar, the Trust and Estates Section of the Colorado Bar Association, the El Paso County Bar Association, the State Bar of California, and the Colorado Springs Financial Planning Association (FPA). Kevin was selected as the 2009 Best Lawyer by the Colorado Springs Independent. He is a member of the Laureate Circle for Wealth Advisors.  ​Kevin lives in Colorado Springs, Colorado, with his wife and best friend of 28 years, Elizabeth “Beth” Morgan, Ph.D. Kevin and Beth have four children and seven grandchildren. Kevin & Beth enjoy their family and dog, “Timber”, spending time at their place in Orlando, Florida, and participating in tennis and all the other outdoor opportunities that living on the Front Range of the Rocky Mountains has to offer.

Investments are a key component of your retirement plan. Interested in understanding more about maximizing your investments? Gregg Indovina and Nate Yeomans discuss foundational investment principles and the role of investments in financial planning. They explore setting specific goals, maintaining realistic return expectations, understanding market trends, and the importance of understanding risk and volatility. Nate & Gregg discuss: The importance of setting specific goals in investing and how it helps maintain focus and purpose. How realistic return expectations can help manage emotions during market cycles. The role of understanding market trends and managing risk in achieving investment success. The necessity of having an investment strategy and the discipline to execute it to avoid emotional decisions. The impact of investor psychology on investment outcomes and the importance of staying focused on long-term goals despite short-term market fluctuations. And more. Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

Gregg Indovina and Nate Yeomans introduce the transformative Return on Life Manifesto, shifting the focus to living a deeply fulfilling and intentional retirement. They discuss the evolution of the financial planning industry and the revolutionary concept of Return on Life. They explore how your relationship with money impacts your happiness in retirement and provide actionable insights to personalize your planning.  Other episode discussions include: Understanding Return on Life: Learn how this new paradigm in financial planning puts your life goals at the center Insights on shifting focus from return on investment to return on life Exploring how your past, present, and future relationship with money influences your retirement How to make intentional, impactful decisions for a fulfilling life post-retirement Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

Are you getting the most out of your Social Security benefits? Does your strategy connect Social Security with the rest of your retirement plan? Nate Yeomans and Gregg Indovina dive into the historical context of Social Security, shedding light on its inception as a solution to address the challenges of retirement in America. Together they discuss the intricacies of Social Security. Whether you’re approaching retirement or reevaluating your plan, this discussion covers the foundational knowledge and strategic considerations vital for enhancing your benefits.  Nate & Gregg discuss:  Understanding the calculation and significance of earning credits. The crucial role of full retirement age in your Social Security strategy. Strategies for spousal and survivor benefits to maximize household income. The impact of early retirement and income limits on your benefits. And more Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

Are you ready to tackle the psychological hurdle of spending in retirement? Join Nate Yeomans and Gregg Indovina as they delve into the intricate dynamics of our relationship with money during retirement. Unpacking the shift from saving to spending, they offer practical strategies to start living a more enriched and rewarding retirement. In their discussion, Nate & Gregg cover: The psychological hurdles of using retirement savings. Tips for transitioning from saving mode to spending mode. Crafting a meaningful retirement plan. Concrete steps to overcome the fear of depleting retirement funds. And much more. Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

Are you asking the right questions about your retirement planning? Organizing your financial future starts with finding the perfect advisor. Nate Yeomans and Gregg Indovina discuss the importance of asking crucial questions when choosing a financial advisor, understanding the impact of involving your spouse in financial decisions, and ensuring your retirement readiness with professional insights. Nate & Gregg discuss:  Why selecting the right financial advisor is crucial for retirement planning What are the key questions to consider when choosing a financial advisor How important is it to involve your spouse in financial discussions The importance of ensuring financial stability and preparedness for the future And more Resources: Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

How can you effectively manage long-term care expenses? What financial impact could this have on your retirement savings, your spouse, and the legacy you hope to leave behind? Join Nate Yeomans and Gregg Indovina as they tackle the critical topic of managing long-term care costs in retirement. Discover the potential impact of these expenses on your retirement savings, spouse, and family legacy, and gain valuable insights into effective strategies for planning and mitigating financial risks. Explore the intricacies of retirement planning with a focus on long-term care, including the importance of early preparation, the asset-based approach for covering expenses, and the role of Medicaid as a potential option. Nate & Gregg discuss:  What is the impact of long-term care costs on retirement plans When should you start looking for options to manage long-term care expenses How does the asset-based approach work for covering long-term care costs Why might Medicaid be considered as an option for long-term care coverage And more Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

No one can control or understand how the market will move in the future. What you can do is prepare for the eventuality and secure your investments. How are you protecting your retirement income from unexpected market changes? Nate Yeomans and Gregg Indovina discuss the difficulties of securing income during retirement, emphasizing the risks associated with the sequence of returns. They scrutinize the conventional 4% withdrawal guideline and propose different approaches such as time segmentation and variable withdrawal rates to maintain a steady income throughout retirement.  Nate & Gregg focus on:  What are the challenges and risks associated with retirement income What is a sequence of returns risk, and how does it impact a retiree’s financial plan  How do different approaches to retirement income planning, such as time segmentation and dynamic distribution rates, propose to address retirees’ needs Why is managing retirement income sustainability throughout retirement important And more Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

What is the ultimate goal of retirement? For most, the focus on money alone can get in the way of creating the life of your dreams. How do you maximize lifetime fulfillment in retirement? Join Nate Yeomans and Gregg Indovina as they question the traditional retirement mindset and explore ways to have a truly fulfilling retirement, without any regrets. They stress the value of being mindful of our spending so that we can create lasting memories. Nate & Gregg discuss:  The two unacceptable retirement planning outcomes Exchanging dollars to create the ultimate dividend – memories The retirement cake and gaining confidence to live your best life Conquering the artificial finish line by living now Nate and Gregg’s motivation for running Design Wealth Blessing your children with a warm hand Financial planning tools to create an EXTRAordinary retirement And more Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

Have you modified your investment approach to match your current stage of life? Investment strategies that worked well in the past may not be suited for those approaching or who are already retired. In this episode, Nate Yeomans and Gregg Indovina explore the importance of adapting investment strategies according to different life stages. They challenge the typical idea of diversification, suggesting a truly diversified portfolio should include various asset classes and risk management techniques. Nate & Gregg touch on:  Why investments should be adjusted based on life’s phases What is the goal during the income phase of retirement in terms of investments  What is a common misconception about investment returns and successful retirement plans How can true diversification be achieved in portfolios, including different asset classes and risk management techniques And more Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

Every retirement needs a solid foundation to build on and grow. A major part of that foundation is ensuring you have enough retirement income to support you after your paycheck. In this episode, Nate Yeomans and Gregg Indovina discuss the first step in building your retirement foundation, and building and protecting your retirement income. They explore key strategies to ensure your investments develop into the retirement income you need by the time you retire and prevent losses during retirement.  Nate & Gregg discuss:  The importance of variable income sources when building retirement plans How annuities provide protection for retirement investments The four types of annuities and how they fit within investment planning The pros and cons of including annuities in your investment plan And more Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

When you think about retirement planning, money and savings are some of the first words to come to mind. But what goes into building a plan that will help that money last? In this episode, Nate Yeomans and Gregg Indovina discuss what many people don’t think about when building an effective retirement plan. They share their approach to creating a fulfilling retirement plan based on the client’s goals that adapt to market fluctuations and the client’s needs. Nate & Gregg focus on:  What goes into building an effective retirement plan beyond money The ABZ model of creating a fulfilling retirement plan How taxes can impact the strategies for required minimum distributions What a sound financial plan needs to entail And more Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

How old were you when you learned how to write a check or create a budget? How much do you know and understand about building a retirement plan for your future? In this episode, Nate Yeomans and Gregg Indovina discuss the lack of financial education in schools and its impact on individuals’ ability to navigate their financial lives, particularly as they approach retirement. They touch on how a lack of comprehensive financial education leaves individuals ill-prepared to make informed decisions about their finances and retirement plans. Nate & Gregg explore:  The gap in educating people on financial and retirement topics from an early age How the lack of financial literacy impacts their retirement planning later in life What changes between earning a paycheck and entering retirement The different influences on retirement planning, from Social Security and healthcare to taxes and estate planning And more Connect with Design Wealth Advisors:  LinkedIn: Nathan Yeomans LinkedIn: Gregg Indovina LinkedIn: Design Wealth Advisors DesignWealthAdvisors.com (720) 833-7676

Join Gregg Indovina and Nate Yeomans on their inaugural episode as they discuss their journeys into the wealth management industry and the driving forces behind their passion for helping individuals achieve financial fulfillment.  From overcoming career transitions to discovering one’s true purpose, this episode delves into the importance of living an extraordinary life, starting today. In this engaging episode, they reveal their strategies for maximizing lifetime fulfillment and provide valuable insights into the retirement planning process. Gregg and Nate discuss: The catalysts behind their career shifts and how they found their true calling in wealth management The unique challenges and opportunities that arise when planning for retirement The importance of living an extraordinary life now and how to make the most of your retirement years Effective investment strategies, including risk management and asset diversification, to secure a financially stable retirement Resources: RFG Advisory  Connect with Gregg Indovina:  LinkedIn: Gregg Indovina  Connect with Nate Yeomans:  LinkedIn: Nate Yeomans  About Gregg:  Gregg was introduced to the financial markets early in his career while helping an internet company through the process of going public. The desire to learn more about how markets work led him to begin a financial services career at Merrill Lynch. Gregg has been an instructor for leading international trading and investing in education companies. He enjoys sharing his insight and has taught over 7,000 students worldwide since 2009 in both the classroom and online. Today, Gregg serves as the CiO for Accelerated Wealth Advisors and is a lead financial advisor for Design Wealth. He and his wife, Mary Beth live in Colorado Springs with their two children. About Nate:  Nate serves as the President and Lead Financial Advisor of Design Wealth in Englewood, Colorado. Nate holds his Series 66 securities license, health and life insurance license, property and casualty license, long-term care license, and mortgage license. Nate and his wife, Brooke, have been married for over 18 years. Together, they enjoy serving their community, attending church, and spending time with friends and family. They also enjoy many outdoor activities, including golf, hiking, biking, running, and competing in triathlons.