Retire With Freedom: Featuring Tad Hill & Toni Hill of Freedom Financial Group
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Join us each week for important financial and retirement planning guidance on the Retire With Freedom Podcast with Tad Hill, RFC, CRPC® & Toni Hill, RFC of Freedom Financial Group. Tad and Toni will talk about important topics related to your IRAs, 401(k)s, Social Security, and more. They'll help you understand things like market volatility, risk, annuities, and so much more. Freedom Financial Group helps you manage all the pieces of your retirement plan so you can retire with confidence. If you'd like to contact Tad & Toni, call 205-988-0006 or visit them online at https://www.askfreedomfinancial.com/ to start your conversation today! Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. 1768991- 4/23
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When it comes to retirement planning, people often make a few key assumptions. Some think they'll spend less or pay less in taxes, while others fear they may never be able to retire at all. We’ve all heard the saying about what assumptions do, and it’s a good reminder that making them might not be the best approach when it comes to our finances either.Fortunately, Tad and Toni are here to help. In this episode of Retire With Freedom, they tackle these common misconceptions about retirement pl...
Just like the laws of physics, there are some basic laws or principles of finance that should be considered when building your financial plan so you can retire with freedom and have the life you want for yourself. From future tax implications to inflation, there’s much to consider in your financial future. On top of all that, women also play a crucial role in finance planning, yet it’s often the husband who makes the major investment choices. While it varies from couple to couple, it’s i...
Where some people see a crisis, others see opportunity. Some of it has to do with your mindset, some of it might have to do with the circumstances of your life. In this episode, Tad and Toni explore some financial curveballs that might not seem ideal at first, but could lead to a better opportunity for the right person…For example, it can be frustrating to see your long-term care insurance premiums significantly increase. But it could also be just what you needed to start exploring other opti...
We’re taking a break from the financial talk on today’s episode to have some fun getting to know Tad and Tyler. Join us as the duo explores their biggest irrational fears!Tyler kicks off the conversation with her fear of loose hair and recounts a cringe-worthy dining experience that many of us can relate to. Tad then takes us on a trip down memory lane to his high school job at Baskin Robbins, complete with a hilarious and gross tale involving an uncleaned drain. He also shares how his fear o...
Mark Twain has brought wisdom and humor to readers for generations now. But how can some of his most famous words apply to financial decision-making? Join Tad and Tyler Hill as they break down some of Twain’s best through a financial lens. The duo discusses how building a good retirement plan is almost entirely independent of the current political landscape, the importance of being proactive in your retirement planning and focusing on controlling what you can control. Let’s talk abo...
Are you truly ready for retirement? There are some big questions that you should be asking yourself when it comes to your retirement readiness. Join Tad and Tyler Hill as they go through the 9 things that should be on your retirement checklist. Knowing the answers to these questions is key to setting yourself up for financial success!Along with these items, Tad and Tyler also remind us that it's never too late to start planning. No matter where you are in your retirement journey, taking actio...
Moving the goalposts when retirement planning can be a dangerous game and leave you open to some negative financial impacts. This concept refers to the habit of setting financial goals and then shifting them once you get close to achieving them. Having set goals and plans and sticking to them is important as you approach retirement. For example, if you don't make a firm decision to set an alarm, you're likely to sleep in. Similarly, without a firm financial plan, you're more likely to ma...
We’ve got a mailbag edition of the show for you today! One of our listeners, Diane, asks how to approach charitable gifting, as it’s something she’s never been involved with before. Tad, Toni, and Tyler share their experiences with various charities and share some insights on efficient tax strategies for charitable gifting.Then, another listener asks if they should invest the money they make from selling their paid-off house and downsizing to a cheaper condo in the stock market. The Hill fami...
This episode focuses on the constants and variables of retirement, providing insights on market volatility, income planning, and lifestyle analysis.Toni shares a relatable analogy, comparing income planning to cutting a juicy steak on a slippery plate. Without a stable foundation, it's nearly impossible to enjoy the meal. Similarly, a stable and predictable income is important for maintaining your lifestyle in retirement. This foundation allows you to build other financial strategies around i...
We’ve got a mailbag edition of the show for you today! From time to time, we like to answer listener questions here on the podcast. This time, Eric in Hoover asks whether he should start selling off some of his high-performing investments in his IRA to avoid potential losses in the next market downturn. Stay tuned as Tad and Tyler dive into Eric’s situation and share some important considerations when navigating this decision. Then, at the end of the episode, Tad and Tyler share some per...
Procrastination is a natural human tendency, especially when faced with tasks that feel overwhelming. That’s why many people find themselves procrastinating when it comes to creating a retirement plan. While some fear that they are in a worse financial situation than they actually are, others think they don't need a retirement plan until they are on the verge of retiring. The truth is, the earlier you start planning, the better prepared you will be. If you are less than ten years away fr...
Have you ever heard of the Rule of 100? This rule suggests that you should subtract your age from 100 to determine the percentage of your portfolio that should be in stocks. What about the 75% Rule, which claims that you will only need 75% of your pre-retirement income to maintain your lifestyle in retirement? In this episode, Toni and Tyler are here to share why these common financial rules of thumb just don’t cut it when it comes to your unique financial situation. While these rules ca...
In today's episode, we're talking about the significant wealth transfer happening as baby boomers prepare to pass on their accumulated wealth. With so many people leaving behind substantial legacies, it's important to understand how to manage and optimize the assets you're leaving behind. Listen in as Toni and Tyler talk about the impact different types of accounts can have on your loved ones after you're gone.In this conversation, we talk about the perks of non-qualified accounts, including ...
Retirement is a huge milestone, often filled with both excitement and apprehension. It's a time filled with questions and logistical challenges. When can I retire? How much do I need to have saved? How much can I spend? There are tons of moving parts to this process, and without the help of a professional, the process can feel very overwhelming. Listen in as Toni and Tyler stress the importance of having a plan that accounts for longevity, healthcare costs, legacy, taxes, and more. They’...
Retirement is a milestone that many of us look forward to, but what if it comes knocking on your door earlier than expected? In today’s episode, Tad and Toni take a few minutes to discuss some of the tough questions and decisions that accompany an unexpected retirement. Having a trusted advisor by your side can help you navigate some of these decisions, but even if you've already made choices, it's not too late to seek advice and make improvements.Today’s episode isn’t all finance talk, howev...
The financial planning world is full of common rules of thumb and assumptions you’ve probably heard of. For example, have you ever been told that you'll be in a lower tax bracket in retirement? Or that life insurance becomes unnecessary as you enter your golden years?We’re excited to welcome Tyler, Tad and Toni’s daughter, onto the show this week to talk about some of these common financial rules of thumb. She’s been working at Freedom Financial for years now and is here to share her wisdom w...
Neither Freedom Financial Group nor AEWM are affiliated with Bryant Driggers or One Brother. One Sister. ONE Mission.In today’s episode, Tad and Toni reconnect with an old friend, Byrant “Breyer” Driggers. Breyer has a story that many in their late fifties and early sixties can relate to, working hard to become debt-free and create a secure future for himself and his family. We’re excited to have him on the show this week to share what’s on his mind as he approaches his retirement years. ...
Neither Freedom Financial Group nor AEWM are affiliated with Carolyn Potter or The WellHouse. We love to feature local charities that we work here on the podcast. So, in today’s episode, we're honored to welcome a very special guest, Carolyn Potter- CEO of The WellHouse. She’s here to give us a look at the inspiring work of this incredible organization, dedicated to the recovery of female survivors of human trafficking, offering them a chance at healing and a hopeful future. We discuss t...
In this episode, Tad and Toni share a few important questions you need to ask yourself as you prepare for retirement. They discuss common misconceptions about downsizing your home, the realities of retirement expenses, and the importance of having a solid income plan before you step into this new season of life.For example, if you’re thinking about moving into a smaller home in retirement, have you ever considered the actual value of your home and the cost of downsizing? Many people overestim...
Are you getting a tailored retirement plan or just a sales pitch? In today’s episode, you’ll learn how to recognize whether a financial advisor is looking out for your best interests or merely trying to sell you products. Stay tuned as we share some client stories, give you some red flags to look out for, and caution that credentials alone don’t guarantee quality advice. Remember, retirement isn't just about selecting the right investments. It’s about crafting a holistic plan that addres...
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