EASE Into Retirement

Before you file for Social Security benefits you need to know these key numbers to make the smartest financial decisions for yourself. Understand why you need to know your FRA, why 40 & 35 are so important and what your earnings limits are when you’re on Social Security. Don’t make a move that will cost you money – make sure you have the proper info and can make the best decisions for yourself!🔔 Subscribe for more retirement planning tips! #SocialSecurity #RetirementPlanning #FinancialFreedomJump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 The Key Numbers You Need to Know for Social Security00:29 Know Your Full Retirement Age02:29 4004:15 3506:36 $23,40008:20 Know Your Numbers Wrap Up08:51 One Other Number to KnowHave 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#RetirementMoney#Planningforretirement#RetirementIncome#RetirementPlanning#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#HowToRetireEarly#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: 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.

How do you make a Retirement Budget? In today’s video, retirement expert Tom Mosley dives into the crucial components you need to include & why understanding these elements are key, no matter your financial situation.Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Why You Need a Budget in Retirement01:30 3 Crucial Items Need to Put Together a Budget01:50 Element #102:45 Element #203:40 Element #304:47 How to Put Together Your Budget06:54 What You Need to Adjust as You Dive into Retirement09:03 In all Honesty, how a Financial Advisor Can Help10:20 How to Use Your Budget to Create a Retirement PlanHave 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#RetirementBudget#HowToCreateARetirementBudget#RetirementIncome#RetirementPlanning#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#HowToRetireEarly#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.

𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗲𝘅𝗽𝗲𝗿𝘁 𝗧𝗼𝗺 𝗠𝗼𝘀𝗹𝗲𝘆 𝗲𝘅𝗽𝗹𝗮𝗶𝗻𝘀 𝘁𝗵𝗲 𝟲 𝗮𝗿𝗲𝗮𝘀 𝘁𝗵𝗮𝘁 𝗺𝗮𝗸𝗲 𝘂𝗽 𝗮 𝗰𝗼𝗺𝗽𝗿𝗲𝗵𝗲𝗻𝘀𝗶𝘃𝗲, 𝗵𝗼𝗹𝗶𝘀𝘁𝗶𝗰 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻 & 𝘄𝗵𝘆 𝘆𝗼𝘂 𝗺𝘂𝘀𝘁 𝗶𝗻𝗰𝗹𝘂𝗱𝗲 𝗲𝗮𝗰𝗵 𝗼𝗳 𝘁𝗵𝗲𝗺.You'll learn the difference between retirement investments and a retirement plan, and then be guided through the 6 essential components that you have to address and why. Whether you’re just starting to think about retirement or are nearing that exciting milestone, this video is a great primer for anyone seeking to create a secure and enjoyable future after their working years.Discover why these 6 essential components are so vital to building your retirement plan:💵 Income📈 Inflation 📊Investments😒Taxes 👩‍⚕️Health Care👨🏻‍👩🏽‍👧‍👦🏻LegacyJump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 How to Build a Retirement Plan00:15 A 401K or IRA is not a retirement financial plan.01:15 Income.02:27 Inflation.03:40 Investments.05:00 Taxes.06:45 Healthcare.08:10 Legacy.09:20 Of all the elements, this is the one that can affect all the others.10:10 How to get further help customizing your retirement plan.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#RetirementEssentials#HowToRetire#RetirementIncome#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.

Over 70% of adults 65+ will need long-term care at some point—yet most people aren’t prepared for the financial burden. Will you be? In this episode, we dive deep into:✅ What is Long-Term Care? – From in-home care to assisted living and nursing homes✅ How Much Does Long-Term Care Cost? – The surprising price tag of aging✅ Does Medicare Cover Long-Term Care? – What’s covered, what’s not, and common misconceptions✅ How Do People Pay for Long-Term Care? – Long-term care insurance, family support, or spending down assets✅ Smart Strategies to Fund Your Care – Practical ways to protect your savings and secure quality careThis 17 minute podcast will provide you value and give you some things to think about. Learn how to prepare now so you’re not caught off guard.🔔 Don’t forget to like, subscribe, and share to help others plan for the future!#LongTermCare #Medicare #RetirementPlanning #ElderCare #FinancialPlanning #AgingWisely #SeniorCareJump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Long-Term Care: The Costly Reality No One Talks About – How to Plan and Pay for it01:10 What Long-Term Care is & the associated costs02:50 How long you may need it03:35 What Medicare covers04:10 How do people pay for Long-Term Care?08:20 Smart strategies to pay for Long-Term Care14:35 How to plan16:15 Share this information16:53 How to get helpHave 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#RetirementSavings#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.

Feeling behind on saving for retirement? Take these 5 steps now to revamp your retirement and get your savings back on track!The reality is retirement planning can feel overwhelming, and too often, people put it off until it’s almost too late. But it’s never too late to make a change. Remember, the best time to start was yesterday, and the second-best time is NOW. Check out these 5 proven actionable tips to help you take control, maximize your savings, and create a fulfilling, worry-free life after work. Stick around, and let’s turn things around—together.👉 Like, subscribe, and share to help others prepare too!🌐 Visit www.mosleywealthmanagement.com for more resources.Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Starting Late? 5 Steps to Fix Your Retirement Now!00:40 #103:02 #205:00 #307:45 #410:45 Recap of the steps & action items you can take now.13:23 How to get more assistance with revamping your retirementHave 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#RetirementEssentials#HowToRetire#RetirementIncome#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.

Don’t Leave Your Family in the Dark—Prepare These Vital Documents Today!Imagine your family needing critical information in an emergency—and not knowing where to find it. Whether you’re incapacitated or gone, your loved ones will face major challenges unless you’ve prepared the right documents.In this episode, Tom Mosley—retirement expert and former minister—draws on over 50 years of experience to guide you through an essential list of items your family needs access to when the unexpected happens.🔑 You’ll learn:• The most important ID and financial documents to gather• What medical and legal paperwork is essential• Real stories about why having these documents matters• Where and how to safely store everything👉 Like, subscribe, and share to help others prepare too!🌐 Visit www.mosleywealthmanagement.com for more resources.Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Open 00:34 Why preparing these documents are important01:30 1st document 02:00 2nd document03:09 3rd document03:53 4th set of documents04:52 5th document05:52 6th set of documents to have ready08:49 How to secure helpHave 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#RetirementEssentials#HowToRetire#RetirementIncome#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.

If you’re divorced or widowed, there’s a chance you may be eligible for a bigger Social Security benefit – especially if you’re spouse had the higher income. The Social Security Department won’t give advice, so watch this instead & see if it gives you some ideas that you can act on. 🔍 You’ll learn:•What qualifies you for potential increase social security benefits from an ex-spouse.•A strategy to consider if you’re widowed & want to potentially increase your own Social Security benefit. •How to secure advice on your own situation that the Social Security Department won’t share (they legally can’t provide advice).👉 The Social Security Administration won't offer you personalized advice, but you might find a nugget here that will help you ask the right questions. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Strategies to increase Social Security Benefits for Divorced & Widowed retirees. 00:40 A Strategy for Divorced retirees.03:50 A Strategy for Widowed/Survivor retirees.06:40 The SSA won’t give you advice, here’s how to get it.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#SpousalBenefits#SocialSecurityforWidowWidowers#SocialSecurityFromEx#RetirementEssentials#HowToRetire#RetirementIncome#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.

Are you single and nearing retirement? Then your Social Security strategy could make or break your retirement income. In this episode, we dive into Social Security strategies for single individuals—those who don’t have a spouse to rely on for spousal or survivor benefits. Retirement expert Tom Mosley explains why when you claim Social Security matters even more when you’re flying solo, and how to avoid common mistakes that could cost you thousands over your lifetime.🔍 In this episode, you’ll learn:•Why delaying your benefit may be your best financial move•How to protect against longevity risk as a single retiree•What to consider if you’re planning to work while collecting•Tax implications and coordination with other retirement income👉 The Social Security Administration won't offer you personalized advice, but this episode will help you ask the right questions and begin creating a strategy that fits your life.Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Social Security Strategies for Singles00:45 Why Social Security Administration Can’t Provide Strategies01:44 Why timing Social Security is so important02:40 Why delaying your social security may be a better choice04:14 Consider your longevity & health06:25 Consider Taxes & plan for them07:39 Be strategic with your Social Security09:55 How to get help with Social Security strategyHave 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#SocialSecurityforSingles#SinglesandSocialSecurity#RetirementEssentials#HowToRetire#RetirementIncome#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.

Thinking about tapping into your retirement savings before age 59½? Be careful — early withdrawals from your IRA, 401(k), 403(b), or other retirement accounts usually come with a 10% penalty... but there are exceptions you need to know.In this video, retirement expert Tom Mosley breaks down real-life scenarios where you can access your retirement money early — without paying that extra tax hit. Whether you're facing a medical emergency, a job loss, or other financial crisis, knowing your options could save you thousands.👉 This video is essential for anyone under 59½ who may need to withdraw retirement funds but wants to avoid costly mistakes.🎯 What You’ll Learn:✅ The top reasons people take early withdrawals — and smarter alternatives✅ Legit IRS exceptions to the 10% early withdrawal penalty📘 Don’t wait for a crisis. Get informed now so you can make the right move later.Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Why people are having to take money out early02:25 Plans vs. IRAs & how penalty exceptions differ03:17 Penalty Exceptions for Plans & IRAs07:38 Penalty Exceptions for IRAs only08:40 Penalty Exceptions for Plans only10:56 One new Penalty Exception coming at the end of 202512:10 How to get help with any of the mentioned so you don’t make a mistakeHave 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#HowtoAvoidTaxPenalties#RetirementPlanning#RetirementEssentials#HowToRetire#RetirementIncome#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.

Want to Retire? Are you Ready? Check out Tom’s list of the 10 most crucial things you must know so you can retire! With nearly 30 years in the retirement industry, Tom has a deep understanding of what is vital to creating a successful and happy retirement. Having guided retirees through changing Social Security rules, fluctuating tax rates, economic ups and downs, and unexpected events like the pandemic, Tom has curated a list of THE MOST IMPORTANT STEPS you need to take to create a retirement that reflects your goals and dreams while also weathering the ups and downs of life. Whether you're close to retiring or just starting to plan, this list of 10 Steps (things you must know & act on) will help you move forward towards your retirement dreams.Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 10 Things Every Person Should Know About Retirement 00:27 Know What Your Retirement Goals Are02:00 Know What Social Security is Going to Do for You02:52 Get All Your Stuff Together04:15 Create a Budget05:48 Build a Comprehensive Retirement Plan07:07 Health Care08:07 Consider your Risk09:58 Understand Required Minimum Distributions11:30 Stay on Top of Taxes13:03 Estate Planning15:00 Other Items That are Crucial to Act On16:46 How to Secure HelpHave 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#RetirementEssentials#HowToRetire#RetirementIncome#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.

After 30 years of helping people retire, I’ve seen the key mistakes and missed opportunities people make that prevent them from living the kind of retirement they dream of having. Today, I’m going to share some of these top retirement mistakes that really break my heart. I hope that sharing these will help you learn, act, and not miss the amazing opportunity you have to live the kind of retirement you dream of and want for yourself. Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 30 Years Helping People Retire – Here’s What Really Breaks My Heart 00:45 Not having a retirement plan & vision03:49 Not optimizing your Social Security (that is right for YOU.)07:00 Not moving from wealth accumulation to wealth preservation12:01 Not preparing for & planning for taxes in retirement17:16 2 key takeaways & action items18:13 How to secure helpHave 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#RetirementMistakes#RetirementPlanning#RetirementEssentials#HowToRetire#RetirementIncome#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.

𝗜𝘀 𝘁𝗵𝗲 𝗠𝗮𝗿𝗸𝗲𝘁 𝗖𝗵𝗮𝗼𝘀 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗧𝗿𝘂𝗺𝗽 𝗧𝗮𝗿𝗶𝗳𝗳𝘀 𝗽𝘂𝘀𝗵𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 & 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻𝘀 𝗳𝘂𝗿𝘁𝗵𝗲𝗿 𝗼𝘂𝘁 𝗼𝗳 𝗿𝗲𝗮𝗰𝗵? Are you losing sleep and wondering “what now?” In today’s video, retirement expert Tom Mosley breaks down 3 smart strategies to help you respond to the current market volatility and protect your retirement plan. Don’t let fear or market chaos derail your retirement dreams. Watch now and take control of your future.Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 3 Ways You Can Respond to the Market Chaos from the Trump Tariffs01:20 Do nothing03:13 Reasons doing nothing may not work for you.04:05 Rework your retirement plan now to protect for the future07:59 The best time to rework a retirement plan09:24 Take this risk assessment12:15 Investigate recovery products16:55 What to do nextHave 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#TrumpTariffs#MarketCrash##SmartMoneyDuringAMarketCrash#HowToRetire#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurity 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.

Are you thinking about doing a ROTH conversion while the market’s down? While it may seem like the best time to do a ROTH conversion and make a smart tax move, there are some major pitfalls you HAVE to be aware so you don’t blow up your retirement! In today’s video, Tom breaks down three critical ways a ROTH conversion can go wrong and potentially derail your retirement plans if not handled with care.Tom uncovers the hidden dangers, including how a ROTH conversion can:✅Push you into a higher tax bracket✅Increase your Medicare Part B and D premiums✅Impact your capital gains taxes in unexpected ways.He also shares two real-life examples of situations where ROTH conversions turned out to be costly mistakes, highlighting the importance of strategic planning.A ROTH conversion can be a smart move, but only if it’s part of a well-thought-out plan. Watch now to learn how to make an informed decision for your financial future.Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 3 Ways a ROTH Conversion Can Ruin Your Retirement00:33 Overview of a ROTH Conversion01:48 Reasons to do a ROTH Conversion now03:54 ROTH Conversions can drive up your tax bracket06:03 ROTH Conversions can impact Medicare B & D08:44 ROTH Conversions can impact Capital Gains11:28 Two examples where ROTH conversions were a mistake14:25 How to get help with ROTH Conversions 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#ROTHConversions#ROTH ConversionsInADownMarket#TaxMovesDuringAMarketCrash#ROTHConversionMistakes#SmartMoneyDuringAMarketCrash#HowToRetire#RetirementPlanning2025#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.

𝗔𝗿𝗲 𝘆𝗼𝘂 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝘁𝗼 𝗿𝗲𝘁𝗶𝗿𝗲 𝗶𝗻 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝟱 𝘆𝗲𝗮𝗿𝘀? Whether you're aiming for early retirement in your 50s or holding off until your 60s or 70s, there are critical steps you MUST take now to secure the retirement you’ve always dreamed of. 🚀In this video, retirement expert Tom Mosley reveals 5 essential steps you need to take before making the big transition. From identifying your income sources to reducing debt, managing risk, tackling taxes, and polishing your plan, these tips will help you build a solid retirement foundation.✅ If you’re serious about creating a successful retirement, don’t miss these 5 crucial steps! Start planning now to achieve the retirement lifestyle you deserve.📌 Timestamps — Jump to any segment below!00:00 Intro00:20 🔑 Step 1: Identify Your Income Sources01:45 🔑 Step 2: Diminish Your Debt02:40 🔑 Step 3: Reduce Your Risk03:40 🔑 Step 4: Tackle Your Taxes04:45 📋 Recap: Top 4 Things to Do Before Retiring05:40 🔑 Step 5: Polish Your Plan & What It Needs to Include06:45 📌 Your To-Do List & Next Steps🎥 Subscribe for more expert retirement advice from Tom Mosley!#RetirementPlanning #HowToRetire #RetirementSteps #FinancialPlanning #TomMosley #RetiringIn5Years #RetirementTips #RetirementSuccess #RetirementIncome #RetirementPlanning#RetirementStrategy #FinancialEducation#FinancialLiteracy #HowToRetireEarly#RetirementPlanningAt50 #RetirementPlanningAt60#HowMuchDoINeedToRetire #HowToRetireEarly#RetirementPlanningTips #FinancialAdvisor#SocialSecurityHave specific questions for Tom and the team at Mosley Wealth Management? Contact us here 👇 https://mosleywealthmanagement.com/contact/ ===============================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=============================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDsDISCLOSURE:Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

Are you approaching retirement and wondering if you should own or rent your home? With rising housing costs and financial uncertainty, making the right decision could impact your retirement lifestyle for decades! In this video, Tom breaks down the real costs of renting vs. buying, explores the financial risks of not owning a home, and discusses why many retirees are moving out of state—whether to save money, be closer to family, or improve their lifestyle. We also take a deep dive into reverse mortgages, weighing the pros and cons of this financial strategy. Before you make a decision that could impact your retirement for years to come, watch this video.🔔 Subscribe for more retirement planning tips! #rentingorowninginretirement #RetirementPlanning #FinancialFreedomJump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Renting vs. Buying/Owning a Home in Retirement00:26 To own or not own 01:24 The current costs of renting vs. buying02:43 Consequences of not owning a home03:30 Living out of state: the pursuit of saving money05:15 Living out of state: costs & benefits of following family 09:35 Reverse mortgages13:16 Here are the different people who can provide you adviceHave 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#ReverseMortages#Buyingahomeinretirement#RetirementMoney#Planningforretirement#RetirementIncome#RetirementPlanning#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#HowToRetireEarly#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: 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.

In this video, Tom breaks down the latest updates on State and Local Tax (SALT) deductions and the potential shake-up that could happen if Congress revisits the Tax Cut & Jobs Act this year. If changes are made, your tax bill—and your deductions—could look very different.👉 Tom explains:•How the current SALT deduction limits impact taxpayers•What could happen if Congress makes a move•And one key tip you can consider now to potentially save money if the rules changeDon't miss this timely discussion to stay ahead of potential tax changes and protect your financial future!🔔 Subscribe for more retirement planning tips! #Taxes #RetirementPlanning #FinancialFreedomJump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 The Great SALT Shake Up01:00 How the Tax Cut & Jobs Act impacted SALT deductions01:43 Why the Government made the change02:23 Status of SALT, the potential changes & impact on deductions05:45 One tip to save money should the tax rules change.07:19 Why you need to stay informed & pay attention to tax changes this year.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#StateandLocalTaxDeductions#Taxes#RetirementMoney#Planningforretirement#RetirementIncome#RetirementPlanning#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#HowToRetireEarly#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: 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.

When it comes to filing for Social Security benefits, there are several key numbers you must know in order to make the smartest financial decisions for yourself. Understand why you need to know your FRA, why 40 & 35 are so important and what your earnings limits are when you’re on Social Security. Don’t make a move that will cost you money – make sure you have the proper info and can make the best decisions for yourself!🔔 Subscribe for more retirement planning tips! #SocialSecurity #RetirementPlanning #FinancialFreedomJump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Key Numbers You Need to Know for Social Security00:29 Know Your Full Retirement Age02:29 4004:15 3506:36 $23,40008:20 Know Your Numbers Wrap Up08:51 One Other Number to KnowHave 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#RetirementMoney#Planningforretirement#RetirementIncome#RetirementPlanning#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#HowToRetireEarly#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: 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.

When planning for retirement, many people focus on portfolio risk and risk tolerance, but the most important—and often overlooked—factor is risk capacity.💡 What is risk capacity? It’s your actual ability to take financial risks in retirement. In today’s video we discuss how looking at these 4 factors can help you determine the level of risk you can afford to take:✔️ Time ✔️ Income ✔️ Portfolio Size ✔️ Budget & Expenses We also share practical strategies you can take to increase it before and during retirement—so you can make confident financial decisions.🔹 Are you taking on too much or too little risk?🔹 How can you increase your risk capacity?🔹 What steps should you take today to protect your future?Don’t let hidden risks derail your retirement—watch now to take control!🔔 Subscribe for expert retirement planning insights!👍 Like this video if you found it helpful!Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 How Risky Should I Be with My Retirement?01:00 Signs that your risk tolerance is misaligned with your risk capacity02:52 Determining you risk capacity: Time03:22 Determining your risk capacity: Income04:25 Determining your risk capacity: Size of portfolio05:23 Determining your risk capacity: What’s your budget?06:50 Increase your risk capacity by managing time07:41 Increase your risk capacity by increasing income09:30 Increase your risk capacity by increasing contributions10:35 Increase your risk capacity by getting rid of debt & liabilities12:45 Steps to take todayHave 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#RiskinRetirement#HowtoSaveForRetirement#RetirementSavings#RetirementReadiness#RetirementIncome#RetirementPlanning#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt60#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: 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.

Is moving to a low-tax state a smart retirement decision? While lower taxes can be appealing, there are many factors—both financial and personal—that should influence your choice.In this episode, we guide you through:✅ How to create a list of states with and without state income tax – and why it matters✅ Understanding state tax brackets – some states tax retirement income more than you think✅ Hidden taxes on Social Security, pensions & investments – and how they impact your savings✅ Other cost-of-living factors – including housing, healthcare, property taxes, and insurance✅ The most important non-financial factor – staying close to family and grandkidsBefore you make a big move, get the full picture. Watch now to learn whether relocating for lower taxes is truly the best choice for your retirement!🔔 Subscribe for expert retirement planning insights!👍 Like this video if you found it helpful!💬 Comment below: Are you considering moving for retirement?Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Should You Move to a Low-Tax State in Retirement?00:30 The grass is always greener01:30 Start with these two lists02:30 Consider the various taxes03:56 Consider the cost-of-living differences08:00 Perhaps the greatest thing to consider?08:54 Summary & how to get helpHave 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#LowTaxStates#HowtoSaveForRetirement#RetirementSavings#RetirementReadiness#DoIHaveEnoughToRetire#RetirementIncome#RetirementPlanning#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#HowToRetireEarly#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.

Feeling behind on your retirement savings? You’re not alone. Here's the good news: You can fix that in just one year. It won’t be easy, but with focus and the right strategies, it’s absolutely possible to get back on track! Retirement planning can feel overwhelming, and too often, people put it off until it’s almost too late. But it’s never too late to make a change. Remember, the best time to start was yesterday, and the second-best time is NOW.In today’s video, we’re sharing proven strategies and actionable tips to help you take control, maximize your savings, and create a more fulfilling, worry-free life after work. Stick around, and let’s turn things around—together.Jump to a segment using the 𝘁𝗶𝗺𝗲𝘀𝘁𝗮𝗺𝗽𝘀 𝗯𝗲𝗹𝗼𝘄! 👇TIMESTAMPS00:00 Revamp your retirement00:40 #1 Assess where you are: Evaluate your income, budget, & debt03:05 #2 Review your retirement accounts: Get involved & maximize them05:07 #3 Identify your risks (your internal risk & your portfolio’s risk)07:54 #4 Taxes10:49 Recap of the steps & action items you can take now.13:00 How to get more assistance with revamping your retirementHave 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#HowtoSaveForRetirement#RetirementSavings#RetirementReadiness#DoIHaveEnoughToRetire#RetirementIncome#RetirementPlanning#RetirementStrategy#FinancialEducation#FinancialLiteracy#HowToRetireEarly#RetirementPlanningAt50#RetirementPlanningAt60#HowMuchDoINeedToRetire#HowToRetireEarly#RetirementPlanningTips#FinancialAdvisor#SocialSecurityDISCLOSURE: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.