Love Your Retirement

In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

This Thanksgiving, we’re serving up more than turkey and stuffing — we’re dishing out a full plate of retirement planning tips, and some timeless advice!Plus, we've all experienced a series of unprecedented events in recent years, from a global pandemic and historic market crash to higher levels of interest rates, inflation, and global unrest. If you’re like many people, you might feel you have less control over your future. Now we’ll discuss what YOU can doing – RIGHT NOW to help take back control of your financial future.In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

This week on “Love Your Retirement,” Heidi Ardis, founder and CEO of Agape Wealth, discussed why Mississippi stands out as a top state for retirees, particularly in terms of tax benefits. Drawing from a recent Kiplinger article that rated Mississippi as the best for retirement taxes, Heidi highlighted how the state’s lack of taxes on retirement income can potentially translate into significant savings for retirees.In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

The Social Security Administration is preparing to announce its annual cost-of-living adjustment (COLA). While this adjustment is designed to help retirees keep up with inflation, it rarely covers the true rising costs of healthcare, housing, and everyday expenses. For affluent retirees — those with $500,000 or more in savings — the timing and strategy of claiming Social Security benefits can have a huge impact on long-term income and retirement stability.Plus, a fun think fast segment to get to know more about Heidi Ardis and her team at Agape Wealth.In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

New data shows retirees in 2025 are facing massive health care expenses — averaging around $172,500 over their retirement years. Many are not planning for this, and those surprise costs could erode their savings fast. Today’s show explains ways to build a plan that can help protect you — including health, savings, and income — and invites listeners to a free retirement income & healthcare cost analysis.Plus, when we think about risks to retirement, it’s natural to focus on the big, dramatic market downturns—like those we’ve seen in the past and will undoubtedly face again in the future. But those aren’t the only threats. Heidi discusses the looming possibility of higher taxes, persistent inflation, and other challenges all contribute to the very real fear of outliving your savings.In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

On this week’s Love Your Retirement show, Heidi Ardis, founder and CEO of Agape Wealth, tackled timely retirement planning topics including Medicare changes, tax strategies, and the impact of interest rates and market trends for retirees. Heidi shared updates from her recent Medicare seminar and addressed how new legislation and inflation are affecting Advantage plans, stressing the importance of personalized guidance when navigating these complex decisions. She explained that a thoughtful approach to portfolio risk, tax harvesting, and long-term financial planning can mean substantial benefits for retirees and their heirs, highlighting the need for a holistic retirement blueprint that addresses income, investments, healthcare, and legacy concerns.Throughout the program, Heidi answered listener questions about savings targets, rental income, pensions, emergency funds, and insurance. She emphasized that retirement success depends more on monthly income planning than achieving a specific “magic number” in savings. Heidi discussed the evolving roles of annuities and life insurance in today’s retirement plans, warning against one-size-fits-all advice and urging listeners to seek strategies tailored to their unique situations.In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

On this episode of "Love Your Retirement," Heidi Ardis dives into the realities and misconceptions of retirement planning, moving beyond generic averages like "$1 million to retire" or the traditional "three-legged stool" of Social Security, pensions, and savings. Heidi emphasizes that a successful retirement plan is highly individual, tailored to each person's lifestyle, assets, and future needs. The discussion covers critical topics such as income distribution, planning for healthcare costs, managing inflation, and understanding the impact of market volatility. Heidi stresses that planning isn’t just about how much you save, but how much sustainable monthly income your savings can actually generate, especially when factoring in taxes, Social Security decisions, and unpredictable life events.The show also encourages listeners to approach retirement planning proactively and with confidence, debunking the myth that only those with substantial assets should seek advice. Heidi highlights the importance of working with a trusted advisor who partners with families rather than controls them, guiding them through options like lump sum versus lifetime pension payouts and strategies for tax efficiency. The episode closes with personal insights into Heidi’s life and financial lessons, reinforcing her genuine and approachable style in helping retirees build a solid, individualized blueprint for a secure and enjoyable future.In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

This week, Heidi Ardis, founder and CEO of Agape Wealth, tackled the complexities of Social Security and retirement planning, offering clarity on issues like potential privatization, changing benefits, and optimal strategies for when to start Social Security. She emphasized the importance of having a holistic retirement plan that looks beyond government programs, factoring in income sources, pensions, healthcare, and tax strategies. Heidi dispelled common myths, highlighted coming changes to Social Security, and explained how rising health and living costs require forward-thinking adjustments to retirement plans, urging listeners to consult professionals to stay on track.The show also featured a mailbag segment, where Heidi answered listener questions about moving abroad, protecting wealth from government spending, enjoying retirement without financial worry, and consolidating multiple 401(k) accounts. She underscored that retirement readiness is not just about a dollar amount saved, but about having the right strategies, diversified income, and a plan to weather unexpected life events.In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

On this week's "Love Your Retirement" show, Heidi Ardis, founder and CEO of Agape Wealth, emphasized the importance of proactive planning as we head into the fourth quarter of 2025. Heidi discussed the significance of tax strategies, Roth conversions, and required minimum distributions (RMDs), urging listeners not to wait until year-end to take necessary financial actions. They highlighted Agape Wealth’s retirement blueprint, which covers five key pillars—income, investments, taxes, healthcare, and legacy planning—and stressed that clarity and preparation are essential for financial security, especially amidst market volatility and evolving legislation.A significant portion of the conversation focused on estate and legacy planning, an often-overlooked aspect of retirement. Heidi shared personal stories to illustrate the complexities of wills, trusts, powers of attorney, and beneficiary designations, noting that missteps can lead to costly errors and family strife. She underscored the vital role of working with professionals who understand changing laws and can coordinate with attorneys and CPAs to ensure clients’ wishes are honored.In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/

This week on "Love Your Retirement," Heidi Ardis, founder and CEO of Agape Wealth, tackled the complex questions facing retirees, including interest rate changes, inflation, and preparing for the uncertainties of retirement. Heidi explained how fluctuations in interest rates impact daily expenses, loan affordability, and the overall housing market—not just for individuals, but also for businesses and the broader U.S. economy. She highlighted the importance of considering global factors, such as international interest rates, and how these shape borrowing and spending decisions. Throughout the show, Heidi emphasized the need for tailored financial planning, discussing how every retiree's situation is unique depending on debt, spending habits, and lifestyle goals.Heidi also addressed the four major concerns for retirees: when to retire, whether they've saved enough, if their money will last, and how loved ones will fare if something happens to them. The program featured audience questions on topics like Social Security timing, finding purpose in retirement, and succession planning for family businesses. Heidi stressed the value of proactive financial conversations, noting that planning for healthcare, market volatility, taxes, and legacy issues is essential for lasting peace of mind.In this episode, Heidi unpacks key retirement planning topics for listeners in Mississippi and surrounding areas. Discover practical strategies for retirement planning, including taxes, social security, long-term care, estate planning and dealing with what's going on in the market and economy.For more information about Heidi Ardis and the Agape Wealth team, visit https://agapewealth.com/