Fire Your Financial Advisor by Golden Reserve

Your portfolio drops 22%, yet your financial advisor says to stay put? Target Date Funds: great marketing, not great performance. Don’t be a Bad Santa and give your kids bad gifts. Is Wall Street starting to warm up to annuities for income planning?See omnystudio.com/listener for privacy information.

Ok, so you didn’t win a billion dollars in the Mega Millions lottery. That doesn’t mean you can’t win the retirement lottery, by simply protecting what you’ve got from Uncle Sam. Greg talks about retirement planning with the same goal in mind: "I don’t want to worry about money!"See omnystudio.com/listener for privacy information.

Many of us have dreams of winning the lottery so we never have to worry about money again. Can you achieve that in retirement without winning the lottery? The Fed is hard at work fighting inflation by raising interest rates. When does it trickle down to help our retirement accounts? Financial analyst Dr. Doom is at it again with predictions of a severe recession. How much of that talk should we take seriously? You need your money to grow, but you also want protection. Is it possible to have both and still be in the market?See omnystudio.com/listener for privacy information.

If you watch financial news, it can be scary. It seems all the headlines are about recession and down markets. How much of this should you pay attention to and should you adjust your retirement plan because of them?See omnystudio.com/listener for privacy information.

That dreaded “R” word and it’s not “Recession” You’re most likely up 170% over the last 10 years Our Tax Map puts more money in your pocket, less in Uncle Sam’s Do NOT wait until you’re 72 to take money out of the IRA Widow’s and Kiddo’s tax - their higher earning rates could be a big hit We’re the sheep dogs, the financial advisors are the wolves Our flat-fee approach vs. their 1-2% certainty off the top We make your retirement exciting by making your planning boring See omnystudio.com/listener for privacy information.

Each week we feature one client or caller to the radio show. This week Mitch from Akron says: "Everyone told me to save, so I did. Now I’m retired and nobody is telling me what to do next."See omnystudio.com/listener for privacy information.

Inflation is now over 9 percent, but is your income rising at the same rate? Everyone tells you to save for retirement, but what do they say when you get there? Sounds odd but paying taxes early can save you money in the long run. Are we becoming complacent when it comes to losing money, thinking that 2008 will never happen again?See omnystudio.com/listener for privacy information.

In studio guest Anna Christine, an attorney with AlerStallings, discusses the legal planning we all need in retirement. Does Medicare or Medicaid cover long term care expenses? How a Fee Filter can help you uncover money leaking out of your accounts.See omnystudio.com/listener for privacy information.

Greg and special guest Tim Stallings (Elder Law Attorney) discuss Estate Planning misconceptions; A caller from Findlay, OH, wants to know what type of trust he should use; A listener from Hebron, OH, wants to know what she can do to protect assets; Why IRA tax planning is crucial to saving money in retirement; How much money does one need to successfully retire?; Why timing the Market is a risky proposition; Greg talks about facing different financial crises in retirement.See omnystudio.com/listener for privacy information.

We talk mostly about financial health. But in order to enjoy retirement, you must focus on your physical health. Greg’s longtime friend Afif Ghannoum joins us to talk about the latest research on gut health.See omnystudio.com/listener for privacy information.

True or False? “There is no alternative to the market.” Lunch with Warren Buffet was recently auctioned off for $19 million. This dinner event won’t cost you $19.00 and could save your retirement. How much contact do you have with your financial advisor while the market is going down? Greg’s longtime friend Afif Ghannoum joins us to talk about the latest research on gut health. See omnystudio.com/listener for privacy information.

You buy insurance for your car, your house, and your life; can annuities help you insure your retirement?See omnystudio.com/listener for privacy information.

America’s IRA expert Ed Slott gives advice on de-taxing your retirement accounts. Greg talks about how the Golden Reserve Tax Mapping process does that…and more. See omnystudio.com/listener for privacy information.

In this episode: What to expect on your next 401K statement. Do you know what you’re going to pay in taxes? Your financial advisor doesn’t. Legal, taxes, finance and investments—all under one roof. Imagine if you didn’t have to watch the market, and didn’t care about the news? How much of your retirement planning can you do online with apps and software? Stop playing blackjack with your nest egg. Take your chips off the table. America’s IRA Expert Ed Slott weighs in on having tax-free money in retirement. We’re the trusted 7-iron on the golf course; the days of trying to smash that new high-tech, hybrid wood are past you. See omnystudio.com/listener for privacy information.

Special Guest, VP Mike Pence, and Greg Aler are both writing books— who’s gonna sell more? Greg had the opportunity to sit with the former VP, learn more about his background and get his honest thoughts on Social Security (spoiler: he believes it’s the moral obligation of our country), as well as taxes and long-term care when it comes to planning for retirement. See omnystudio.com/listener for privacy information.

Greg sits down with former Vice President Mike Pence to talk about his new book, the future of Social Security and two of our retirement boulders: Taxes and Long-term Care. Stocks for growth and bonds for safety? Warren Buffet says no. We are desensitized to the small fees we pay in our lives, and the financial industry knows it. Studies show 70% of women leave their financial advisor when the husband passes. Why is that? Start converting your IRA now, leave less for Uncle Sam to take later.See omnystudio.com/listener for privacy information.

You’ve heard Greg talk about the 4 Boulders of Retirement. But what goes into developing the Retirement Roadmap needed to avoid those boulders.See omnystudio.com/listener for privacy information.

Discussions & Learnings: What your Dad taught you about money and what you hope to pass onto your kids. What exactly happens when you call us, and how we can help immediately Navigating Taxes, Fees, Market Risk and Long-term Care in retirement Up vs. down Retirement Mountain and how strategies need to change JP Morgan Chase says there’s going to be “Market Hurricane” - how to care less Why being boring and planful now can lead to peace of mind when it matters most Greg loves Wendy’s Baconators See omnystudio.com/listener for privacy information.

It’s hard to relate to big name athletes that make over 100 million dollars a year. But when you look at the much smaller number of their take home pay, we can relate. We are all dealing with taxes and advisor fees pulling away at our bottom line. Greg talks about two of the big Fee and Tax boulders we solve for Retirees at Golden Reserve.See omnystudio.com/listener for privacy information.

With all the talk of recession, is 100% of your life savings still on the blackjack table? Can you afford the ‘friendship’ with your Financial Advisor? Lebron James is dealing with the same fee and tax issues as our retirees. The realities of when annuities work and don’t work – what is the middle ground? A retired teacher is concerned about the advice she is getting from her advisor.See omnystudio.com/listener for privacy information.

Warren Buffett loves stocks. Can you mimic his approach to investing in retirement? Spoiler alert: probably not.See omnystudio.com/listener for privacy information.

Warren Buffett loves stocks and market risk, should you? Many investors are backing out of this market to cash. Is that good advice? A great year in the stock market turned out to be a great year for Uncle Sam. Why are you still helping him? Should you have money in a Target Date Fund in your 401(k)? A Columbus teacher wonders if her financial advisor is giving good advice. Why all the debate about annuities? What’s the real story?See omnystudio.com/listener for privacy information.

Many people believe that Medicaid covers long term care expenses. There is some truth to that but there is a catch. Greg and special guest Anna Christine (an attorney with AlerStallings) explain the important details you need to know.See omnystudio.com/listener for privacy information.

Two of the big boulders of retirement are market risk and advisor fees. Let’s cut down on those costs and send more of that money your way.See omnystudio.com/listener for privacy information.

The bigger the risk, the higher the return, right? Trying to “catch up” right before retirement might be your biggest mistake. Sometimes boring is better.See omnystudio.com/listener for privacy information.

There is more and more interest in planning for the high cost of long-term care. But is there an age when it’s too late to have the conversation?See omnystudio.com/listener for privacy information.

The cost of long-term care can wipe out a lifetime of retirement savings. Many people still believe that Medicare and Medicaid will pay for it. Greg breaks down the truth and the myths.See omnystudio.com/listener for privacy information.

Nothing comes for free, especially when it comes to your retirement accounts. Investment and advisor fees can take tens of thousands from your retirement savings. Is there anything you can do about it?See omnystudio.com/listener for privacy information.

Inflation is causing stress on a lot of families. Some people are delaying retirement, and some are coming out of retirement. Can you build a retirement plan that gives you protection from future inflation?See omnystudio.com/listener for privacy information.

There is plenty of negative press about annuities. If that’s true, why do so many people use them? Greg breaks down the pros and cons of annuities.See omnystudio.com/listener for privacy information.

Each year, Bill Murray and his brothers host the Caddyshack Golf Tournament in St. Augustine, Florida. Greg was able to sit down with them and talk about the movie Caddyshack, retirement, and find out the worst financial advice they ever received.See omnystudio.com/listener for privacy information.

You have a “check engine” light in your car. Are you paying attention to your “check retirement” light? Studies show many people have to cut back their spending in retirement. Will you? Taking the guess work out of retirement planning. Why does your Social Security decision become more complicated if you are married? Greg talks to Bill Murray and his brothers about Caddy Shack, retirement, and the worst financial advice they ever received.See omnystudio.com/listener for privacy information.

You can now buy a ticket for a 90-minute space ride for about 500 thousand dollars. If that’s not your thing, what kind of retirement can you build with the same amount?See omnystudio.com/listener for privacy information.

The report card is in on Wall Street fund managers, and we’d be generous to give them a “D” in stock picking. How can you take 100% of the risk and get 30% of the return? Welcome to Mutual Fund investing. How the Tax Boulder gets bigger in retirement. What are some of the most affordable ways to cover the high cost of Long-term care?See omnystudio.com/listener for privacy information.

Estate Planning Attorney Tim Stallings joins the show to discuss some misconceptions that retirees have about Estate Planning.See omnystudio.com/listener for privacy information.

How you deal with taxes BEFORE retirement should be very different IN retirement. If you don’t have a plan for taxes, Uncle Sam has a plan for you. Greg breaks down some of the surprises that retirees’ encounter and how the Golden Reserve Tax Map can help you limit your tax liability.See omnystudio.com/listener for privacy information.

A better way to think about annuities as interest rates rise. What to do if you have retirement account money all over the place. How financial advisor fees work and how to avoid them. The importance of having a relationship with a retirement planner when a crisis hits. How the tax boulder changes when you retire and why you need a TAX MAP.See omnystudio.com/listener for privacy information.

In everyone’s closet, there are clothes that haven’t been worn in years. They are outdated and just taking up space. Do you have the same thing going on with your retirement accounts? What do you have that needs to go to “Financial Goodwill?”See omnystudio.com/listener for privacy information.

The truth about taxes and the Secure Act 2.0. A caller asks about protecting assets as her spouse has an emergency care need. When to toss certain investments and advisors. Retirement plans without a legal foundation may not be a plan at all. If you are concerned about the market crashing, you may not have a retirement plan.See omnystudio.com/listener for privacy information.

When your kids inherit your lifetime of savings, how would they handle it? Will they be responsible, or will they spend it all in a short period of time? How you can have a say in making your money last, even after you're gone.See omnystudio.com/listener for privacy information.

Unnecessary fees can be more risky than inflation. The limits of Robo-Advisors in supporting retirement. A listener question about Estate Planning and avoiding probate. What is the right risk to take in retirement? See omnystudio.com/listener for privacy information.

Many people have no clue about how much they are paying for their retirement accounts. They don’t write a check every month, so it must be free, right? Wrong. Greg breaks down how the financial industry charges and how it takes a lot of digging to find out the truth.See omnystudio.com/listener for privacy information.

Understanding Uncle Sam’s plan for your IRA taxes is a big part of planning for your Retirement. Particularly the 'widows and kiddos' penalty he has in store if you don’t have the right plan. Learn how having a Tax Map can make all the difference when it comes to saving your IRA dollars.See omnystudio.com/listener for privacy information.

Is 6 hours enough time to develop your Roadmap for Retirement – and what should it include? A Newark, OH caller asks how to protect his IRA from Uncle Sam in retirement. Why relying on a family member as a caregiver may not be the safest plan for long-term care. The realties of a recession and your retirement plans. Why the ‘widow' penalty and 'kiddos’ penalty are all part of Uncle Sam’s plan for your IRA. Talking about the right time to do Roth conversions. Learn about Greg’s upcoming book release, ‘Fire Your Financial Advisor’. The bitter truth about fees, and how they get away with it.See omnystudio.com/listener for privacy information.

A listener calls in looking for the right guide to get him through retirement and, while shopping around, has heard a lot of different fees. We explain what fees are right for retirees and how to avoid the dreaded FEE boulder.See omnystudio.com/listener for privacy information.

What you should do about rising interest rates & inflation. A listener questions how fees work in retirement. When to tell your advisor to take a hike. The truth about “financial shortcuts.” Getting a plan for Long-Term Care. What does retirement look like with $500k. How our team of Retirement Planners helps retirees fight back against the financial industry.See omnystudio.com/listener for privacy information.

How a banker, whose wife was a financial planner, still failed to plan for retirement. Greg breaks down the latest Uncle Sam changes that will take more tax dollars out of your IRA. Why every retiree needs a Tax Map.See omnystudio.com/listener for privacy information.

How to navigate retirement and build your checklist with the right questions to ask. Call-in crisis involving a parent’s nursing home situation. How the IRS changed the rules again to get more taxes out of your IRA. Why a Fee Filter can show if you are overpaying for advice and investments. Explaining income taxes, and why Greg thinks they go up. Why retirement calculators don’t work. How our team of retirement planners help retirees fight back against the financial industry.See omnystudio.com/listener for privacy information.

Explaining the fiduciary and non-fiduciary standards in human-speak, and how being a fiduciary doesn’t matter at all when it comes to helping retirees plan for the biggest risks of retirement.See omnystudio.com/listener for privacy information.

How you can ignore the market and sleep well in retirement. Why retirees and their advisor are rarely on the same page. Does being a Fiduciary really matter? Explaining hidden mutual fund fees and how advisors get paid. How retirees can fight back against the trillion-dollar financial industry. Why tax planning is ignored by your advisor – and what you should be doing. The challenges of aging parents – and how to plan. Pension – lump sum or not? Why hasn’t the financial industry changed in 40 years.See omnystudio.com/listener for privacy information.