Fire Your Financial Advisor by Golden Reserve

Where else in the world do they charge you for a product or service by how much money you have? NO WHERE! Except the financial industry... Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Greg Aler is joined by Golden Reserve Retirement Planner Phil Huff to discuss: Financial industry fees, holding your financial advisor accountable, Social Security, how widows get hurt by taxes, and how the financial media scares us into believing we need to keep working to attain a number. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Your 401(k) will probably be your biggest retirement asset. Let’s not make a mistake. We look at the good and bad of 401(k) decisions. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

On this week's show: Interest rates are up. It’s bad if you want to buy a house. It’s great if you’re close to retirement. The dos and don’ts of your 401(k) in retirement. Congratulations! You’ve saved 600k. Is it enough? One commentator says, “Retirement is Stupid.” Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

We save and save for retirement. Then all of a sudden, it’s here and we have a hard time making the transition between the saving mindset and enjoying our money. Greg shows how the financial industry is partly to blame. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube. See omnystudio.com/listener for privacy information.

On this week's show: Medicare does not pay for long term care. How do you prepare if it happens to you? How your Roth might figure into tax and estate planning. Which buckets should you pull from first in retirement? How spending trends go in retirement and how you should enjoy your money. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

You raised your kids and put them through school. You have dedicated your life to your family and career. Retirement is supposed to be a time to put YOU first. But many people have a hard time doing that. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

On this week's show: Being selfish is usually a bad thing, unless it’s in retirement. Why people over 75 are still in the workforce. How the lesson of the "hot stove" is being used in income planning. Taxes aren’t fair, unless you are Uncle Sam. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

If you talk about an annuity for retirement planning, you may get a negative reaction. If you talk about what an annuity does without calling it an annuity, people respond positively. What’s the problem here? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

On this week's show: Is there an anchor on your 401(k)? The tail end of the baby boom has a retirement problem. A retirement lesson from George on "Seinfeld". The Rolling Stones just passed up a half a billion dollars. See omnystudio.com/listener for privacy information.

According to some studies, if the Government gets rid of the 401(k), they could save Social Security. Is there any truth to that? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

On this week's show: Some say the 401(k) will be gone in 10 years. Would that be a good thing? Dealing with the retirement issue no one wants to talk about. Why do-it-yourself investors eventually ask for help. What are the biggest missed opportunities in retirement planning? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Everyday in the financial headlines you can find people who believe the markets will soar and others who believe we are on the edge of disaster. Greg tries to gives us some perspective on how to sift through all the noise. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

On this week's show: Time may be running out to maximize your IRA-to-Roth Conversion. Your 401(k) comes up short by not providing income. How do you fix it? What will your out-of-pocket expenses be for healthcare in retirement? Tom Selleck gives us a retirement lesson about risk. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Every year there is a new number the experts say we need to retire. It keeps going up. But Shark Tank’s Kevin O’Leary has taken it to a new level. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

On this week's show: The latest eye-popping number we need for retirement. Part of the financial industry needs a warning label. How reliable is Jim Cramer? What we usually miss in tax planning. A new idea for your 401(k) that has real merit. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Lainey Wilson is a Country Music star and a part on the hit show "Yellowstone". But even with all her success, she still struggles with spending money. Many retirees have the same problem. See omnystudio.com/listener for privacy information.

On this week's show: Are the 2024 retirement rules changes helping or hurting? Should Social Security use the stock market? Lainey Wilson needed to borrow $100 for Taco Bell. Mom said, “Don’t touch the hot stove.” The financial industry has the same lesson with your 401(k). Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Greg Aler and Phil Huff of Golden Reserve look at an article for financial advisors on how to justify charging you more. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

A 68-year-old widow questions her advisor’s tactics. New verbiage advisors are using to take more of your money. Is the object of retirement to “die with zero?” Have 401(k)s made any improvements in the last 10 years? Is your retirement plan missing a pilot? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Bitcoin gets a lot of press. But how do you invest in it? The SEC has now made it easier with a Bitcoin ETF. Should you make it a part of your portfolio? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Even though Jordan Belfort was wildly successful as a wall street trader, he has a very low opinion of financial advisors. Greg agrees and shares why he feels that way. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Jordan Belfort, “The Wolf of Wall Street,” is out of jail with surprising financial advice. Why part of the Golden Reserve Roadmap for Retirement is to do your taxes each year. How to recover from your financial mistakes. You have most of your savings in a 401(k). Is it on autopilot? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

We look at interest rates, the Fed, markets, regional banks, The Magnificent 7, and more. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

It’s the number one fear of people preparing for and in retirement: Running out of money. How the Golden Reserve "Roadmap for Retirement" can help you overcome it. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

The headlines when the 401(k) came out were great. Now that we are using it in retirement, the headlines have changed. How do you overcome the main drawbacks of the 401(k)? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Moving money from a taxable bucket to a Roth can help with your tax liabilities in retirement. Is there a point when it’s too late? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

How much cash is your advisor telling you to have on hand? Should you be buying insurance in your 60s? Is your 401(k) working overtime or stuck in a rut? Another celebrity who should have done better estate planning. Is there an age when Roth conversions no longer help? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Should you rely on your retirement savings to kick off income and never touch your principle? We talk about creating income from your 401(k) and the idea of spending some of your principle. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Why is “spend down” a dirty phrase in the financial world? Can anyone really tell me what a fiduciary is? Batman has lost Robin at Berkshire Hathaway. New ideas from the Senate and the White House to save your retirement money. Ron Barron explains his plan to beat inflation. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Yahoo Finance compiled a list of things you need to look at in the 5 years before retirement. Greg breaks them down and talks about how Golden Reserve's Roadmap for Retirement can help prepare for that day you hang up the cleats. See omnystudio.com/listener for privacy information.

Is running out of money a real thing or a financial industry scare tactic? A pension company trying to up your fees. Are you a list maker? Time for your retirement checklist. Dave Ramsey is taking a lot of heat for a controversial statement. How much more money will you make working with a financial advisor? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

We all forget things, but when you see a pattern with your parents, what do you do? How do you step in to prevent a financial mistake due to cognitive decline?See omnystudio.com/listener for privacy information.

You’ve probably seen people who jump into a tub of ice water or into a hole in a frozen lake. The idea is that it’s such a shock to your system that you forget about stress and all the problems of your life to focus on one thing…getting warm. Greg Aler is an advocate of it. He talks about why and the “shocks to the system” that can happen in retirement. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

If you get the financial green light to retire DO IT! How too much risk can jeopardize your retirement dreams. Shaq has a great lesson for us about preparation. The financial industry wants you to believe that Social Security and your 401(k) is not enough. Is it true? Legendary record producer David Foster and his wife-singer Kathrine McPhee talk about their career and new documentary. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube. See omnystudio.com/listener for privacy information.

The number one fear of people going into retirement is running out of money. Is it real or is it a manufactured fear that the financial industry wants you to believe? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Should you be worried about or should you celebrate higher interest rates? Myth Buster: Addressing the number one worry of people getting ready for retirement. Now that we are using our 401(k), is it coming up short? Passing down your financial legacy takes some planning. What is the right time to do a 401(k)-to-Roth conversion? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

We’ve all heard of generation gaps. Different age groups have a hard time relating due to the ways they communicate. It can happen between financial advisors and their clients. Greg breaks down the biggest offenders. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

How can you be tax efficient with your withdrawals? Greg plays myth buster with what number the financial industry says you need to live. Walking away from your employer paycheck is tough. The Golden Reserve income tent can calm those emotional worries of running out of money. How to approach the mental decline of mom and dad. My financial advisor seems smart, but I don’t understand what he’s saying. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

A couple planning for retirement seems to have done a great job, yet they still wonder if they have enough if one of them needs long-term care. How much is enough? Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Higher interest rates are actually helping pre-retirees. Why our retirement system is broken. Can you roll the dice on paying for long-term care? Taking Social Security while you are still working can cause a tax problem. What you need to know about Medicare. See omnystudio.com/listener for privacy information.

Halloween is coming up. Is your retirement plan about to run into Jason, Chuckie, Freddy or Ghostface? See omnystudio.com/listener for privacy information.

How much do wars and other global events affect our stock market? 70% of Americans would leave their financial advisor if they don’t provide tax planning. Is your retirement plan a horror movie waiting to happen? 2008 saw the market go down by over 50%. Many of us are holding positions doing the same thing. Can you trade up to take advantage of these high interest rates? See omnystudio.com/listener for privacy information.

We like to say, “Fees are what you pay, value is what you get.” Are you getting value for what you are paying your financial advisor? See omnystudio.com/listener for privacy information.

Cutting through the financial noise of CNBC and Fox Business. What everybody is asking about their 401(k). How has retirement planning “jump the shark?” We pay fees in many areas of our life. Does that make it ok with your retirement accounts? Home is where your dog lives, and your tax bill. See omnystudio.com/listener for privacy information.

We highlight a study that puts investors with perfect market timing against those with other simple strategies. You’ll be surprised at the results.See omnystudio.com/listener for privacy information.

Market investing doesn’t have to be as complicated as they say. The S&P 500 has been flat for two years. What are your alternatives? Should you continue with the current rate on your CD? What is your Tax IQ and why is it important? Is Wall Street focused on the real issues of retirement? Why you need a retirement planner, not a financial advisor. See omnystudio.com/listener for privacy information.

By law you can’t call Pringles a chip. By law financial advisors must call themselves a fiduciary. At Golden Reserve neither one of these statements make any sense.See omnystudio.com/listener for privacy information.

How much insurance is necessary past the age of 60? 85 Trillion dollars will pass from boomers to their heirs. How will you handle those decisions? Watch out for “The Name Game” in the financial industry. Only 5% of Jimmy Buffet’s wealth came from his music. How did he create his other income and what can we learn from it? How the Golden Reserve Tax Map can help you from making a big tax mistake. See omnystudio.com/listener for privacy information.

If you have a financial advisor, do you know what you’re paying them each year? Probably not, because the system they’ve built doesn’t include you writing a check each year. But 1 or 2 percent per year could cost you 40% of your retirement nest egg. See omnystudio.com/listener for privacy information.