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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Send us a Text Message.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-qualifi...
Send us a Text Message.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,...
Send us a Text Message.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 ...
Send us a Text Message.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 her...
Send us a Text Message.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...
Send us a Text Message.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 fu...
Send us a Text Message.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...
Send us a Text Message.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 ho...
Send us a Text Message.When it comes to retirement planning, many people believe they've got it all figured out. "I'm averaging 7-8% on my investments," they say, for example, confident that this will carry them through their golden years. But is this confidence misplaced?Stay tuned as we explore some of the flawed calculations that many retirees make regarding their financial future. We’ll debunk some common misconceptions about investment returns, withdrawal rates, and the dangers of oversp...
Send us a Text Message.Creating a customized retirement plan for someone often means addressing unique challenges along the way. Whether you face a health problem, a job loss, or a roof leak, life has a way of throwing unexpected hurdles at us. In today’s episode of Retire With Freedom, Tad and Toni discuss some of the unique challenges they’ve helped clients with throughout the years.Many people avoid seeking financial advice out of fear of what they might discover. However, addressing your ...
Send us a Text Message.A retirement plan isn’t something that you create once and put on a shelf to gather dust. You want to make sure it’s working to support your retirement dreams with growth and preservation. Join Tad and Toni as they explore the importance of crafting and adjusting your personalized financial plan.From handling market ups and downs to dealing with unexpected life changes, they highlight the advantages of having a robust plan that not only preserves your money but also ali...
Send us a Text Message.Crafting a written financial plan for retirement is critical, yet shockingly, only 43% of Americans have one. Just like a football coach wouldn't step onto the field without a game plan, your financial future shouldn’t be left to chance without a solid strategy in place. In today's episode, we're focusing on why having a well-crafted financial plan is so essential.One of the biggest challenges retirees face is converting their savings into sustainable income. Far too of...
Send us a Text Message.Many people consider or plan to work part-time in retirement. Maybe you’re thinking about pursuing a passion or leveraging a skill set for some additional income. While the idea of working part-time in retirement is appealing, it’s important to recognize that these plans don’t always unfold as expected. Unfortunately, the nature of post-retirement employment is unpredictable. Some industries may not support part-time roles, unexpected health issues can arise, or yo...
Send us a Text Message.Crafting the right retirement nest egg recipe for you requires a unique blend of financial ingredients. Like cooking, where each dish benefits from a thoughtful combination of flavors, retirement planning is about finding the perfect balance that suits your tastes and goals. And with this, it’s important to avoid any mixes that could be toxic to your financial health. While many think that having a diversified portfolio will set you up for success in your retiremen...
Send us a Text Message.Every successful financial story begins with a clear understanding of where you want to go and how you’re going to get there. Think of it like taking a road trip, where you need gas in the tank, air in the tires, and a GPS to help you stay on track. Without a proper plan, it can be easy to lose your way.While many people try to take the DIY approach to financial planning or think that diversification alone will put them on the right track for retirement, there’s much mo...
Send us a Text Message.Navigating retirement planning is no easy feat, and today's middle-aged adults, typically in their 40s and 50s, find themselves in what's known as the "sandwich generation." Juggling the financial support of both elderly parents and their own children, this dual responsibility often slips under the radar when planning for retirement but is very important to consider. In today’s episode, we’ll focus on the common struggles faced by individuals in the sandwich genera...
Send us a Text Message.In today's volatile market environment, having a solid financial strategy is essential. But despite what some financial professionals might try and tell you, this process isn't just about balancing stocks and bonds. Join us in this episode as we talk about the importance of crafting a financial roadmap tailored to your life. We dive into the intricacies of retirement planning, addressing not only investment allocation but also the significance of understanding pers...
Send us a Text Message.The stock market can be unpredictable, taking your hard-earned money on quite the thrill ride. In this episode, we explore the challenges many face when navigating the highs and lows of the market and discuss strategies to ensure a smoother ride for your nest egg. Throughout this conversation, we discuss why a good retirement plan goes hand-in-hand with a trusted advisor who understands the intricacies of generating income during retirement. We also highlight some ...
Send us a Text Message.Join us as we answer some listener questions in today’s episode. These episodes are a great way for you to learn from real-life financial planning questions. One listener is considering retirement at the age of 55 and wants to know if it's a bad idea. Another listener asks Tad and Toni what their thoughts are on investing in foreign currencies. Stick around until the end for a fun segment where Tad and Toni reveal universally loved movies they surprisingly haven't ...
Send us a Text Message.In today’s episode, we’re going to challenge conventional wisdom surrounding retirement planning. For example, is a mortgage always considered “good” debt for everyone? Or is changing investments when they're not performing well the right solution?Stay tuned as we chat about some of these commonly held beliefs and the importance of having a well-rounded retirement plan. As Tad and Toni share their insights, you’ll gain a deeper understanding of why questioning conventio...
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