E.A.S.E. Into Retirement Radio Show

Space Mountain or Dumbo? In this episode of Ease into Retirement, we take a trip through Disneyland to see what the park’s rides can teach us about the road to retirement. From the twists and sudden drops of Space Mountain to the gentle, steady loop of Dumbo, each ride reflects a different stage of your financial journey, and the question is which one your portfolio feels like right now.Next, we get honest about the money lessons many people learn too late. Find out how headlines and emotions can quietly steer your decisions in the wrong direction, and why you may be less comfortable with risk than you believe, especially when markets get bumpy.Then we turn to the tax missteps that can cost retirees the most, from overlooking RMD planning to Roth conversions that go sideways. We finish with listener questions on downsizing, facing a layoff close to retirement, and whether it makes sense to spread your money across multiple banks.This one’s a true “E-Ticket” ride, so stay seated, lower the safety bar, and press play.Chapters00:00 IntroDisney Wild Rides in Retirement02:020 Space Mountain (younger vs older. Can’t take the ups n downs)07:37 Dumbo (simple/classic)09:20 It’s a Small World (habits you can’t shake off)Financial Truths15:03 The Media is Often an Enemy18:50 Emotions are not our Friend when it comes to Finances23:00 You’re not as risk tolerant as you think you are25:00 There is no one product that will take care of everything.Biggest Tax Mistakes Retirees Make28:10 Not tax planning for RMDs31:55 Roth Conversions35:00 Not paying attention to the impact of timingListener Questions40:10 What should I think about if I want to downsize?45:40 Got laid off & nearing retirement. What should I do?48:00 Issues to having multiple accounts in multiple banks?Ready to plan your retirement? Do you 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#RetirementJourney #Social Security #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 particular 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. Comments reflect the views of individual users and do not necessarily represent the views of Mosley Wealth Management. They are not verified, may not be accurate, and should not be considered testimonials or endorsements.For more information, visit: www.mosleywealthmanagement.com

Your biggest retirement risks aren't the same at 50 as they were at 30. In this episode, we look at how risk changes through the decades of your life, what that means for your money, and the key questions to ask about your home as you get closer to retirement. We also focus on why retirement planning is especially important for women, including longer life expectancies and the issues widows can face. Chapters00:00 IntroRisk Management in the Decades of Your Life04:45 Risk in your 30’s & 40’s07:00 Risk in your 50’s & 60’sRetirement Planning for Women14:00 Why planning for women is so important20:30 Retirement issues that face widowsManaging Your Home in Retirement27:00 Retiring with a home & a low interest rate30:45 Downsizing32:40 Taking a line of equity35:25 Reverse mortgagesListener Questions39:35 When do create a brand-new financial plan?44:20 My retirement budget is being strained, what should I do?46:30 My new & retired husband is older than I, how do we manage our retirement?Ready to plan your retirement? Do you 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#RetirementAfter50 #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 particular 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. Comments reflect the views of individual users and do not necessarily represent the views of Mosley Wealth Management. They are not verified, may not be accurate, and should not be considered testimonials or endorsements.For more information, visit: www.mosleywealthmanagement.com

Retiring soon? Before you worry about the market, get your own house in order. In this episode, we walk through how to clean out your financial closet, which documents to gather and how to organize them, and why some of the most popular retirement rules may no longer fit today's world. We also talk about how to question what you hear in the financial media, so you can tune out the noise and focus on information that actually helps your retirement plan.Chapters00:00 IntroCleaning Out Your Financial Closet02:40 The different types of financial organization04:00 Items that need to be organized07:20 How to organize your documents09:08 Creating a budget11:50 Are your goals & your portfolio aligned?Financial Markets in the Media15:55 Question the spin22:22 Understanding interest rates24:50 Product pushingOutdated Financial Rules29:45 4% Rule33:33 10-5-3 Rule34:33 Moving from stocks to bonds36:12 Having a million dollarsListener Questions41:20 I’m 51, what do I do now to prepare for retirement?45:20 Need money. Can I pull more money or get a part-time job?48:05 I’m 57, but want to know how to tackle the next 10 years?Ready to plan your retirement? Do you 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#OrganizingForRetirement #RetirementJourney #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 particular 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. Comments reflect the views of individual users and do not necessarily represent the views of Mosley Wealth Management. They are not verified, may not be accurate, and should not be considered testimonials or endorsements.For more information, visit: www.mosleywealthmanagement.com

What can Betty White teach us about retirement? In this episode of Ease into Retirement, we pull surprisingly practical wisdom from some of Betty White's most memorable quotes, then dig into the biggest mistakes Boomers are making in retirement today.You'll learn:•    Retirement lessons hiding in Betty White's own words•    The biggest challenges Boomers are facing in retirement right now•    The most common mistakes knocking Boomers off track financially•    Recognizing if you're using the wrong tools & how to course-correct•    When to hire a financial plannerWhether you're a Boomer navigating retirement now or just want a few laughs alongside financial education, this episode blends humor and honesty to help you stay - or get back - on track.Chapters00:00 IntroRetirement via Betty White Quotes02:52 On health & home 07:50 On working11:05 On relationshipsBoomers18:30 Challenges facing Boomers24:20 Biggest mistakes Boomers are makingGetting Off Track in Retirement29:40 Using bad tools34:30 How to get back on trackListener Questions39:20 Nearing 50 – should I get a financial planner46:10 Where should I put my money in a down market?Ready to plan your retirement? Do you 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#BettyWhite #Boomers #BoomersinRetirement #RetirementJourney #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 particular 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. Comments reflect the views of individual users and do not necessarily represent the views of Mosley Wealth Management. They are not verified, may not be accurate, and should not be considered testimonials or endorsements.For more information, visit: www.mosleywealthmanagement.com

What are the financial moves that successful retirees never regret? In this episode, Tom and Mark reveal three critical decisions that will transform your retirement: smart tax strategies, solid estate planning, and Roth decisions that pay off.Whether you're years away from retirement or already there, these moves work together to help create a secure, tax-efficient future with a protected legacy. Don't leave these decisions to chance - Hit play now!Chapters00:00 IntroReducing Taxes into the New Year01:40 Donor advised funds & QCD05:15 SEP IRA / Solo 401K07:35 Check your withholdings09:30 HSAs10:50 RMDsThe Role of an Executor14:40 What is involved in being named an executor22:00 Accounts & Assets that don’t go through the trust23:20 Questions to ask if you’ve been named an executorNo Regrets29:00 Putting money in your Roth IRA30:45 I should save more & spend less33:50 I wish I didn’t have life insuranceListener Questions39:40 How can I take care of myself, so kids don’t have to?43:20 Should I do a Roth conversion and when?Ready to plan your retirement? Do you 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#RetirementKnowledge #Diversification #Retire #RetirementJourney #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. 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 particular 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. Comments reflect the views of individual users and do not necessarily represent the views of Mosley Wealth Management. They are not verified, may not be accurate, and should not be considered testimonials or endorsements.For more information, visit: www.mosleywealthmanagement.com