Fire Your Financial Advisor by Golden Reserve

Higher interest rates have people moving away from the stock market. 30 percent of people do all their own investing, until they get to retirement. What brings on the change? If you watch for depressed stocks to find a deal, Bill Gates just took a flyer. How could advisor fees skim 40% of your retirement money? The guy on TV says planning for Long Term Care is easy. Does Greg agree? See omnystudio.com/listener for privacy information.

We are conditioned to look at a few things: Our rate of return and our account balance. While those are important factors, there are so many others that are glossed over by the financial industry. At Golden Reserve we are trying to change that.See omnystudio.com/listener for privacy information.

What goes into figuring out your REAL rate of return? How the Golden Reserve Tax Map can lower your tax bill in retirement. The biggest investment company in the world is recommending taking your money OUT of the market. Why? The tale of Dan and Stan: two brothers with the same amount of money that decided to retire at different times with different results. See omnystudio.com/listener for privacy information.

We’ve all seen the anti-annuity commercials from Ken Fisher. Is he telling the truth? What is his motivation? Greg breaks it down line by line. #Retirement #RetirementPlanning #RetirementPlanner #Annuities #KenFisherSee omnystudio.com/listener for privacy information.

They say you’ll be in a lower tax bracket in retirement. Is it true? What could the Social Security cutbacks cost you? What you need to know about the term fiduciary? How much of the bad press on annuities is true? See omnystudio.com/listener for privacy information.

What good is that fancy leather bound binder with your financial plan when it’s sitting in a drawer someplace?See omnystudio.com/listener for privacy information.

There are only 7 stocks holding up the S&P 500. How the airlines and the financial industry lie to you. What good is that financial plan without the planning? Is it ok to get into your principle or should you just live off interest in retirement? Uncle Sam’s devious plan with Social Security taxes. How fees could cost you 10 years of retirement money. Don’t assume your retirement will work. Do the math. See omnystudio.com/listener for privacy information.

Over the next few years, over one third of financial advisors will retire. Where does that leave you? Do you stick with the kid they assigned you to or find someone new?See omnystudio.com/listener for privacy information.

Why are 94% of advisors talking to their clients about going back to work? There is good debt and bad debt. What about your mortgage? Are all those radio and TV commercials right about gold? My advisor is retiring. Do I continue with the young guy they assigned me to? If you are getting a big inheritance, who do you share that news with? If you buy an annuity, is your money locked up like a CD? See omnystudio.com/listener for privacy information.

The Golden Reserve Long Term Care Compass is a part of every Roadmap for Retirement. Greg discusses ways to deal with the rising cost of Long-Term Care without buying insurance.See omnystudio.com/listener for privacy information.

New 401(k) rules that you need to be aware of. How long can this stock market go without tipping into recession? Should your CPA be your retirement planner? Long Term Care insurance is only covering 20% of the bills for our elderly. What do you want out of your retirement meeting at Golden Reserve? See omnystudio.com/listener for privacy information.

Why does every Golden Reserve Roadmap for Retirement include the fee filter? This story is a perfect example. It’s not just the fees on the big millionaire accounts. It’s over-charging on the smaller accounts of the hard-working everyday people like you and me.See omnystudio.com/listener for privacy information.

What will it take for you to go into retirement with confidence? The Golden Reserve Fee Filter is a part of every Roadmap for Retirement. Today we tell you why. You need to replace your paycheck in retirement. If your advisor isn’t using every means possible, are they doing their job? Are you using YOUR plan for retirement, or are you following Uncle Sam’s plan? See omnystudio.com/listener for privacy information.

Many of us put things off until the last minute. Putting off doing the math on your retirement can have consequences. We talk about making today “Day One” of retirement planning.See omnystudio.com/listener for privacy information.

When will you seek out retirement advice? Someday? Or will you make today “Day one”? Are you overexposed to stock market risk because you are trying to “catch up”? What can we learn from the 5-year fight over Aretha Franklin’s will? If your advisor hates annuities, do you know the real reason why? Should a Roth IRA be part of your retirement strategy? See omnystudio.com/listener for privacy information.

Your 401(k) is infested with taxes. Your 401(k) has limited investment choices. Your 401(k) can have unnecessary fees. Your 401(k) does not end in a check like a pension. When it comes to retirement planning, is your 401(k) obsolete? See omnystudio.com/listener for privacy information.

How can you be master of your money and not allow your money to be the master of you? Historically the market returns 7 to 8%. What if we saw an extended time of only 2% returns? Why are lawsuits up against fiduciaries? Is the 401(k) model now out of date? Do you need to wean yourself off of the stock market? See omnystudio.com/listener for privacy information.

If you like to visit a casino, it’s not shocking that the rules on some of the games are changing in favor of the house. Many people feel that way about the financial industry. How do you identify it and tip the rules in your favor for retirement?See omnystudio.com/listener for privacy information.

How Golden Reserve is helping you fight back against a financial system built more for them than for you. Our politicians keep changing the rules on how and when we can access our retirement money. Ken Fisher says inflation is dead and this year will be a huge bull market... How a Golden Reserve Elder Law Attorney can help with the important legal papers of retirement. See omnystudio.com/listener for privacy information.

A survey was done about what it takes to be rich. While everyone had a big number in mind, the survey also found that many people aren’t looking at that number and have other definitions of what it really means to be rich.See omnystudio.com/listener for privacy information.

What happens when mom and dad leave you without a will and an estate plan? No one wants to hear this word at a retirement meeting. Are you using your 401(k) as a piggy bank? What is your idea of being rich? Is it always connected to your bank account? See omnystudio.com/listener for privacy information.

Warren Buffett knows investing. He has a warning about what could be the number one enemy of your success.See omnystudio.com/listener for privacy information.

How to choose that person to help you through the retirement planning process. Wisdom from Warren. The marketing campaign against annuities. How much is true? You want to enjoy your money in retirement. Does your financial advisor feel the same way? See omnystudio.com/listener for privacy information.

The US Open is one of the toughest tests of golf. Participants talk about playing defensive and par is a good score. Greg goes through the retirement lessons we can learn from that mindset.See omnystudio.com/listener for privacy information.

How did your dad influence the way you handle money? The Target Date Fund: 401(k) tool or marketing ploy? As you get closer to retirement, should you lean more toward the Roth than the 401(k)? What can we learn about retirement planning from blackjack and the US Open? See omnystudio.com/listener for privacy information.

What happens if the stock market isn’t kind to you in the first few years of retirement? We used to believe a million dollars would provide a great retirement. Why is Wall Street telling us we need so much more? The 401(k) replaced the pension. Should we rethink that? Rising interest rates have brought back CDs, Money markets, and annuities. How “boring” is the new investing trend. See omnystudio.com/listener for privacy information.

At Golden Reserve, we regularly point out the conflict between retirement plans designed for you to enjoy your money and financial advisors that get paid more if you don’t spend your money. We highlight a story that clearly shows this flaw in the system.See omnystudio.com/listener for privacy information.

What do you absolutely have to get right before retirement? Does your family history matter in financial planning? How Golden Reserve goes far beyond the cookie cutter portfolio approach. Pensions can be great unless you’re single. Should you expect your retirement principle to never go down? What is the real definition of fiduciary? See omnystudio.com/listener for privacy information.

You have a check engine light in your car, which means it’s time for a tune up. Is the "check retirement" light going off in your head? What should be your next step?See omnystudio.com/listener for privacy information.

Join Greg Aler of Golden Reserve on Expedition Retirement as he dives into the flaws of the financial industry when it comes to retirement planning. If your “check retirement light” is on, what is your next step? What 89% of people want from their 401(k) but aren’t getting. You’ve saved a good nest egg. You’ve won the game, why are you still at risk? How tax laws penalize the widow. What we can learn from a 10-dollar cookie in Las Vegas. See omnystudio.com/listener for privacy information.

Finding the balance between the need for growth and the need for protection with your retirement money.See omnystudio.com/listener for privacy information.

If you feel stuck in an annuity contract, can you get out? Protecting against the nursing home getting all of your money. Interest rates keep going up, but for how long? Over 30 cents of every dollar you have in retirement will go here. Can you build a sustainable retirement on 4% to 5% growth? See omnystudio.com/listener for privacy information.

Certain financial moves in your life will come by reaching a certain age. Greg runs down the important milestone ages and what opportunities they bring.See omnystudio.com/listener for privacy information.

What financial products have the ability to change with the times? The Trump Tax Reforms will expire in 2026. How will that affect you? How one NFL quarterback showed what was most important to him when he signed his first contract. A guide to retirement planning by age. See omnystudio.com/listener for privacy information.

The Government is constantly looking for new ways to tax us. Greg shows how the Golden Reserve Tax Map can help you cut your tax bill in retirement.See omnystudio.com/listener for privacy information.

How much of your retirement money do you want on the blackjack table? Will you spend more in retirement than in your working years? Interest rates are up. Where should I put my money? Having a sensible estate plan for your money. Taxes: Do you want Uncle Sam’s plan or your plan? See omnystudio.com/listener for privacy information.

The financial world is full of warnings about running out of money in retirement. Why doesn’t Wall Street want us to enjoy our money?See omnystudio.com/listener for privacy information.

How a Golden Reserve Tax Map can help you reduce taxes in retirement. The financial industry spreads fear that you will run out of money. How do you go into retirement with confidence to spend? The 60/40 portfolio: Is it making a comeback? Why does one 401(k) work better than another? Actors, musicians, and pro athletes all use annuities to defer income. Why wouldn’t they be good for the rest of us? See omnystudio.com/listener for privacy information.

How much should you watch or act on information and predictions that you see on financial TV? Mom always told us, “consider the source.”See omnystudio.com/listener for privacy information.

How much should you believe on financial TV? Social Security has moved up the date when they will cut back benefits. Will it affect you? 70% of people will need some kind of long-term care. Are you prepared? How tax planning in retirement is more complex than in your working years. If you have a pension, should you trust that it will be there for the next 30 years? At what point should you see a retirement planner? Is it an age, a level of wealth or something else? See omnystudio.com/listener for privacy information.

You want to protect your retirement money, but you also want it to grow. How do you balance that out? Retirement planner Phil Huff talks about the different approach we take at Golden Reserve.See omnystudio.com/listener for privacy information.

What is different from the big box firms and Golden Reserve with investment planning? Article: Stop saving! Social Security will be enough. Are people who have success in retirement just lucky? Our checklist of what you want your money to do in retirement. How is tax planning different when you stop working? See omnystudio.com/listener for privacy information.

It seems like the Government has your back if your bank fails. Who has your back if you make a mistake in retirement?See omnystudio.com/listener for privacy information.

Will the banking crisis affect your retirement money? Marriage, divorce, and moving. Make sure your legal papers are in order. Why did well know financial author Robert Kiyosaki say, “May God have mercy on us all?” Is a retirement calculator a good tool or a waste of time? See omnystudio.com/listener for privacy information.

The reason Greg Aler wrote “Fire Your Financial Advisor” was the fee model that the financial industry has built. We have another example of someone who has fallen victim to fees way above one percent.See omnystudio.com/listener for privacy information.

Banks failing and markets falling: should this be affecting your retirement plans? Is 1.6% a reasonable advisor fee? Most of the “Get Ready for Retirement” lists are missing some important elements. What are your options if you need assisted living or nursing home care? Income: we need it in retirement. How do you build the paycheck you need? See omnystudio.com/listener for privacy information.

One of the most neglected areas of retirement planning is having a strategy for taxes. Every Golden Reserve 'Roadmap for Retirement' includes a Tax Map with a timeline of how to take money out of your IRA in a tax efficient way. CPA Brian Long breaks down how it works. See omnystudio.com/listener for privacy information.

You’ve saved all this money, why give half of it back to Uncle Sam? How the Golden Reserve Tax Map can help. How much money do you need to save to generate 30 thousand dollars of income per year? 70% of us will need some kind of Long-Term Care. How do you plan for it. Maintaining your wealth during retirement. See omnystudio.com/listener for privacy information.

We love our dogs. Over his life, Greg has had three Sheepdogs. Over that time, he has seen their protective nature and believes Golden Reserve embodies that quality in looking after your retirement money.See omnystudio.com/listener for privacy information.

Greg’s book “Fire Your Financial Advisor” outlines some of the conflicts created by the current financial industry model. We outline many of them today and show how Golden Reserve is set up very differently. Warren Buffet isn’t a big believer in making your kids rich through inheritance. What options do you have to make that money last? The check the Kansas City Chiefs got for the Super Bowl was taxed at over 47 percent. Could that happen to you in retirement? See omnystudio.com/listener for privacy information.