Fred discusses common retirement mistakes and debunks myths about retirement planning. The conversation covers topics such as trying to beat the market, the dangers of keeping all your money in cash, the importance of diversification, the potential risks of being overly cautious with savings, the benefits of strategic real estate decisions, and the…

In this episode, Fred Saide discusses lessons from golf that can be applied to retirement planning. He emphasizes the importance of not taking unnecessary risks with retirement funds and having a coherent financial retirement plan. He compares choosing the right club in golf to selecting the right assets and strategies in retirement planning. Fred …

Fred debunks some bad and questionable financial advice that is prevalent with the advent of social media. He counters with knowledge and experience in the financial industry opinions on the 401(k), debt, following trends, and the F.I.R.E. movement. You can reach Fred by calling 800-593-8188. Money Matters USA See omnystudio.com/listener for privac…

In this conversation, Fred discusses the economic landscape and challenges of retirement planning. He highlights the impact of inflation, government spending, and deficits on retirement savings. Fred emphasizes the importance of budgeting, analyzing spending, and projecting lifetime expenses. He also addresses the role of Social Security, pensions,…

In this podcast episode, Fred Saide discusses the idea of early retirement and the things you need to know before retiring early. He emphasizes the importance of considering time, money, and health in retirement planning. Fred also highlights the shift in focus from money to time in retirement and the challenges of adjusting to retirement. He intro…

In this episode, Fred Saide discusses taxes in retirement and provides insights into creating tax efficiency. He explains the taxation of retirement income sources, including Social Security benefits, pensions, interest-bearing accounts, stocks, bonds, mutual funds, and dividends. Fred also highlights the tax treatment of life insurance proceeds an…

In this podcast episode, Fred Saide discusses the importance of tax optimization strategies in retirement planning. He highlights the limitations of traditional tax planning and emphasizes the benefits of Roth contributions and conversions. Fred also explores other tax-efficient planning options, such as qualified charitable distributions and life …

In this conversation, Joe Peters, a residential real estate agent joins Fred Saide. He discusses various aspects of the housing market. He shares his transition from a technology career to real estate and highlights his unique approach that incorporates artificial intelligence. Peters also delves into the challenges of affordability in the housing …

In this episode, Fred Saide discusses the worst retirement advice you could follow and offers alternative positive strategies. The conversation covers various topics, including the danger of ignoring taxes in retirement planning, the myth of spending less in retirement, the need for Social Security reform, the fallacy of the $1 million retirement g…

In this conversation, Fred Saide discusses the importance of having a written plan for retirement and the need for a comprehensive checklist. He emphasizes the significance of budgeting, understanding income sources, and creating a spending plan. Fred also highlights the importance of considering healthcare and Medicare decisions, as well as tax pl…

In this episode, Fred Saide discusses how football strategies can be applied to retirement planning. He emphasizes the importance of the financial red zone, which is the transition period before and during retirement. Saide also highlights the need for reinvention in retirement and the challenges of sequence risk and return. He advises against rely…

Fred identifies risks in retirement and offers ways to avoid them. The podcast includes a discussion on the balance of risk and return, withdrawal strategies, the risk of longevity, taxes, healthcare, long term care, and asset allocation. You can reach Fred Saide at 800-593-8188. Money Matters USA See omnystudio.com/listener for privacy information…

We all know the bucket list so what would go in the un-bucket list? That would be things to avoid so you can have a successful retirement. That’s the discussion at the beginning of the podcast with Fred as he talks about knowing when you can retire so you don’t work longer than necessary, not being lonely and now having an unfulfilled retirement, a…

Still in the New Year the podcast devotes time to considering financial goals or resolutions, how to approach them, and how to stay on track. These include everything from paying off debt to increasing your savings and more. You can reach Fred Saide by calling 800-593-8188. Money Matters USA See omnystudio.com/listener for privacy information.…

Fred offers thorough coverage of annuities in this podcast looking at the benefits and drawbacks and breaking down the types of annuities. We also bring back Stump the Guru with a question from a listener seeking advice on what to do in retirement with all the spare time and how to best handle his finances. You can submit your “Stump the Guru” ques…

Warnings of what could harm your retirement are discussed at the open of the podcast with points on having a budget, automating your savings and payments, planning for healthcare costs, and not relying too heavily on being able to work longer. Fred also looks at what needs to be considered to help determine if you are ready to retire. You can reach…

Fred provides the answers to some commonly asked and very important questions regarding proper retirement planning. He also looks at what should be considered in shoring up your retirement in the new year. you can reach Fred Saide by calling 800-593-8188. Money Matters USA See omnystudio.com/listener for privacy information.…

You’ll hear clips from familiar movies and a sitcom with a holiday theme. Fred takes these clips and shares retirement and financial lessons we can learn from them. You can reach Fred Saide by calling 800-593-8188. Money Matters USA See omnystudio.com/listener for privacy information.Oleh Fred Saide

Fred cuts through some harsh realities of retirement planning and offers solutions. Some issues covered are the amount of bear markets to expect, needing more than Social Security, and longevity. What are the returns on your investments in retirement? They're not just money. They can also be time, health, happiness, and achieving peace of mind. Fre…

Fred talks about what we need to consider strategically as the year draws to a close. Most of the bullet points are about good tax moves. Then the conversation turns to what you may face in retirement such as restlessness and the need to re-define yourself. You can reach out to Fred Saide by calling 800-593-8188. Money Matters USA See omnystudio.co…

Fred answers ten questions frequently asked by soon to be retirees. The questions are about how much is needed to retire, how to fund retirement, when to claim Social Security, what to do with a pension, and how money should be invested in retirement. Fred also answers a “Stump the Guru” question from a woman considering using inheritance to move i…

What makes a retirement plan comprehensive? Fred covers the answers you should receive when talking to someone about your retirement. When should I claim Social Security? What will my budget look like? Should I invest in high dividend stocks? What should I do with my 401(k) balances? These questions and more are answered by Fred. He also discusses …

The 2023 Mercer CFA Institute’s Global Pension Index recently rated retirement systems around the world. The U.S. earned a C+. Fred examines that and discusses steps to strongly consider in an effort to score an A+ in your retirement. You can reach Fred Saide by calling 800-593-8188. Money Matters USA See omnystudio.com/listener for privacy informa…

Fred gives us a look behind the curtain at how he tackles challenges and opportunities when meeting with people about their retirement plan. Two hypothetical scenarios are discussed here. You can reach Fred Saide at 800-593-8188. Money Matters USA See omnystudio.com/listener for privacy information.Oleh Fred Saide

Fears are addressed in this podcast and suggestions to overcome them. Fred understands these fears and discusses common retirement fears revolving around inflation, Social Security, market volatility, and the cost of health care. You can reach Fred Saide at 800-593-8188. Money Matters USA See omnystudio.com/listener for privacy information.…

Fred offers information on the different scam operations out there and tips to avoid them. He also dissects survey results from a Northwestern Mutual Planning and Progress study that shows Americans’ concerns about the economy and how much they would need to retire. You can reach Fred Saide by calling 800-593-8188. Money Matters USA See omnystudio.…

We all assume things but some assumptions could be dangerous when approaching retirement. Fred covers some of these. The list includes assumptions on when you will retire, how long you will live, how much you will spend, and what you will face in taxes. You can reach Fred Saide by calling 800-593-8188. Money Matters USA See omnystudio.com/listener …

Honoring Financial Literacy Month, the game is Financial Jeopardy covering retirement facts to make sure you’re not in financial jeopardy. Categories include Important Retirement Ages, Penalties and Fees, Retirement Savings Vehicles, and Retirement Rules of Thumb. You can reach Fred Saide by calling 800-593-8188. Money Matters USA See omnystudio.co…

Fred runs down some expenses that can eat away at your savings when you’re in retirement. They include healthcare, home ownership, inflation, taxes, and longevity. He then focuses on the top stressors people cited in a recent survey by Principal. Those include inflation, rising interest rates, and a lack of savings. Fred Saide can be reached at 800…

Fred cuts through the misinformation in the retirement universe by declaring whether some retirement statements are fact, fiction, or somewhere in between. Risk tolerance, medical costs, retirement income, Social Security, and retirement spending are covered in this podcast. Reach out to Fred Saide at 800-593-8188. Money Matters USA See omnystudio.…

Fred dissects some words of wisdom from the Oracle of Omaha in his overall investment mindset, his number one rule in investing, and what he means when he says his mistakes have been of omission. You can also get a glimpse of what your consultation experience with Fred could be as he breaks down some hypothetical case studies. You can reach Fred Sa…

Fred dissects a recent Bankrate survey that shows many Amercans are feeling financially insecure. Why is that? Fred breaks it down. He also warns against procrastination in retirement planning in areas such as boosting your savings, eliminating debt, and just getting an overall retirement plan together. You can reach Fred Saide at 800-593-8188. Mon…

If you’re stranded on a desert island you may feel you need to strictly conserve your water supply so it will last. Fred shows how those who are not properly planned for their retirement could feel that way about their money. He offers analysis and solutions to help achieve that “Goldilocks” retirement. You can reach Fred at 800-593-8188. Money Mat…

Fred shares tips on how successful people use techniques to legally reduce their taxes. He discusses some of the reasons people overpay in taxes and covers five vital strategies to consider including knowing the rules for safe harbors, maxing out tax deferred retirement accounts, and utilizing Roth options. You can reach Fred Saide at 800-593-8188.…

2024 marks an historic demographic event with the largest number of Americans ever reaching the age of 65. If you’re approaching retirement, what strategies should you consider implementing now? Fred covers that along with what those in their 50s should be looking at as they enter the financial red zone. You can reach Fred Saide at 800-593-8188. Mo…

Fred is joined by Dan McGrath, the co-founder and creator of IRMAA Certified Planner and the best-selling retirement planning author of “What You Don’t Know About Retirement Will Hurt You.” IRMAA is an acronym for income-related adjustment amount. That is an extra fee you pay with your Medicare Part B and D premiums based on income. Dan is one of t…

We celebrate Podcast 104 and the two year anniversary! Fred expands on five key retirement financial planning components which are investment, tax, and income strategies and estate and healthcare planning. He also covers the seven “sins” of retirement planning. Some include accessing your retirement dollars early, retiring too early, not coordinati…

It’s amazing how you can tie iconic TV sitcom scenes to retirement planning. Fred does just that with Kramer giving himself a gold watch and pointing out that retirement falls more on us now. Fred Sanford gets a lesson on how Social Security benefits are calculated and Archie Bunker schools us on inflation. Those clips and more are featured in the …

What are some of the standard retirement rules? How have they withstood the test of time? How could they be good starting points. Fred covers the 4 percent rule, the Rule of 72, the 60/40 Stock/Bond Rule, and the Rule of 100. In the Stump the Guru segment Fred offers a detailed answer to a couple listing their assets and wanting to know if they cou…

Fred discusses the strategies to give you confidence in your retirement plan. These include eliminating debt and building your savings, having a sound retirement budget, a clear proactive tax plan, and maximizing Social Security. He also stresses the need for couples to be on the same page in this team retirement effort. You can reach Fred Saide by…

Fred discusses the best proactive responses to retirement strategies including long-term care, health care, living on pre-taxed income, and factoring inflation. He also addresses concerns of pre-retirees and retirees and offers good questions to ask of yourself. These include:“do I have a plan” “do I have a budget” “do I have income built into my p…

Fred’s special guest on the podcast is Dax White who is managing partner with the White Law Group. The subject is fraud and how to be vigilant in avoiding becoming a victim and what strategies are available to repair the situation if you have become the victim. You can reach Fred Saide by calling 800-593-8188. Money Matters USA The White Law Group …

Fred takes a close look at Secure Act 2.0 and provisions that have already been enacted and looks ahead at what is to come in 2024. He also discusses tax efficient retirement strategies. In the Stump the Guru segment, Fred answers a question from a listener concerned about delaying Social Security until age 70. You can submit your question at www.m…

Fred looks at moves to strongly consider when you’re still working but getting closer to that retirement date. He includes taking advantage of catch-up contributions, looking into a health savings account, and reviewing the asset allocation. Fred also runs down some of the ways retirement can be more expensive than we think. In the Stump the Guru s…

Fred gives us what we need to consider when we enter the Financial Red Zone near retirement in the phases of 7 to 10 years, 5 to 7 years, and 3 to 5 years out. He also discusses expenses in retirement and the importance of knowing what could go up and what could go down. In the Stump the Guru segment, Fred answers a question about Social Security a…

Fred addresses concerns of retirees involving their feeling of inadequate savings and their worries of inflation, higher interest rates, and unstable markets. He demonstrates how he can help keep in check the inevitable emotions that creep into retirement planning. In the Stump the Guru segment, Fred answers a question about Social Security claimin…

Fred notes retirement confidence could be falling to 2008 levels and offers suggestions on restoring confidence in areas such as inflation, volatility, and even Social Security uncertainty. Fred also points out some good “journey to retirement” practices like staying on track with savings, maximizing the 401(k) match, and minimizing fees. You can r…

Fred talks about strategies to consider in the financial red zone, 5-10 years from retirement. He then discusses the advantages to consider when looking at the Roth IRA option. In the Stump the Guru segment, Fred addresses a concern from a listener who asked their accountant if they should convert taxable IRA assets to a Roth. They mentioned the ac…

Fred dives into the subject of behavioral finance and how all the components relate to retirement planning. He also highlights ways that money could be wasted in retirement such as excessive fees, overpayment in taxes, overspending, and ignoring healthcare costs. Fred answers two questions in the Stump the Guru segment. One listener asks Fred the m…

Fred expands on valid retirement questions that begin with the word “when.” Some include “when should I consider retiring,” “when should I start planning for long-term care,” and “when should I start taking Social Security benefits?” He also points out areas to address in the planning process to help ease the anxiety of challenging economic times. …