The Get Ready For The Future Show

Retiring early? Chad takes a look at potential health costs and some of your options.

Are you reluctant to clean your garage? Are you reluctant to prepare for retirement? Teresa and Scott take a look at why and what you can do to get in there and get the work done.

What's in your garage? Is it so full of junk that you can't use it for its intended purpose? Join the GenWealth dream team as we look at how to clean up your finances! Originally aired 4/14/2018

What are target-date funds? John hops on this minisode to talk about the dangers of self-driving investments (and cars) with Scott. *The target date is the approximate date when investors plan to start withdrawing their money. The principal value of a target fund is not guaranteed at any time, including at the target date. A fund’s objectives can change over time.

John, Janet, Troy and Scott start from the bottom - the foundation and most important feature of your finances. Originally aired 4/7/2018 AR Ins Lic# 734696 AR Ins Lic# 5964851 AR Ins Lic# 18069453 AR Ins Lic# 17923408 *This material contains only general descriptions and is not a solicitation to sell any insurance product or security. For information about specific insurance needs or situations, contact your insurance agent. You may also visit your state’s insurance department for more information. Riders are additional guarantee options that are available to an annuity or life insurance contract holder. While some riders are part of an existing contract, many others may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing. Guarantees are based on the claims paying ability of the issuing insurance company.

Troy joins Scott on this minisode to get into the specifics of how retirement is essentially an income problem.

The GenWealth Dream Team finishes up March Madness with four areas important to your retirement. Originally aired 3/31/2018 *The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.

Special guest Ryan Detrick, Senior Market Strategist for LPL, joins John, Janet, Scott, and Charlie this week as they take a look at Market Madness. Originally aired 3/24/2018 *DALBAR’S year Quantitative Analysis of Investor Behavior (QAIB) study examines real investor returns from equity, fixed income and money market mutual funds from January 1984 through December year. The study was originally conducted by DALBAR, Inc. in 1994 and was the first to investigate how mutual fund investors’ behavior affects the returns they actually earn. *There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. *The study for missing the market’s 10 best days is based on research of a hypothetical $10,000 invested in the S&P 500 from (12/31/02 through 12/31/17). The S&P 500’s annualized total return over this time frame was 9.92%. If you missed the 10 best return days, your return would have been 5.03%. Keep in mind you cannot actually invest in an index. Your results will vary. The rates of return used do not reflect the deduction of fees and charges inherent to investing. *Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.

Candice discusses what a relationship with a GenWealth advisor looks like, from A to Z.

The GenWealth Dream Team shoots from the 3-point line this week to score in your retirement. Originally aired 3/17/2018

Do you know DCA? Dollar-cost averaging? Well how about the cow story? Austin explains and takes a look at emotional decisions in this minisode. *Dollar cost averaging involves continuous investment in securities regardless of fluctuation in price levels of such securities. An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

You won't hear this from Adam and Jamie, but John, Janet, Scott and Austin are here to bust some common financial myths and keep your retirement and investments on track. Originally aired 3/10/2018 *This is a hypothetical example and is not representative of any specific situation. Your results will vary. The hypothetical rates of return used do not reflect the deduction of fees and charges inherent to investing.

You plan for the worst, but the unexpected happens. Don takes a look at dealing with financial emergencies.

Chad hops on this minisode to discuss insurance with Scott, looking at some of the most common questions. AR Ins Lic# 8811248 *State insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company. You may visit your state’s insurance department for more information.

The GenWealth Dream Team begins March Madness by taking a look at the ways pop culture can impact the way you think about retirement and investing and potential pitfalls of which to be aware. Originally aired 3/3/2018

John, Janet, Tim, and Scott take a look at how to empower yourself in retirement. Originally aired 2/24/2018

The GenWealth Dream Team takes a look at health costs and long-term care in retirement. Originally aired 2/17/208 AR Ins Lic# 734696 AR Ins Lic# 5964851 AR Ins Lic# 8811248 AR Ins Lic# 18069453 *Riders are additional guarantee options that are available to an annuity or life insurance contract holder.  While some riders are part of an existing contract, many others may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing.  Guarantees are based on the claims paying ability of the issuing insurance company.

John and Scott are joined by Candice and Teresa this week as they talk about …some of the differences between men and women in retirement and what to look out for. Originally aired 2/10/2018

The GenWealth dream team starts of a new series and takes a look at one of four important topics in your retirement: money. Originally aired 2/3/2018

It's the big game. You're in the red zone. What plays do you need to make to clinch that win in retirement? John, Janet, Teresa, and Scott take a look at success principles of winning coaches and players. Originally aired 1/27/2018

The GenWealth Dream Team looks at five tips and tricks you can use to help set you up for success in retirement. Originally aired 1/20/2018 *The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change. *Traditional IRA account owners should consider the tax ramifications, age and income restrictions in regards to executing a conversion from a Traditional IRA to a Roth IRA. The converted amount is generally subject to income taxation. *For information about specific insurance needs or situations, contact a licensed insurance agent. You may also visit your state’s insurance department for more information. Personal characteristics such as budget, assets, risk tolerance, family situation or activities may affect the type of insurance that would be right for you. State insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company.

Troy and Scott take a look in this minisode about your new year financial wellness checkup.

John, Janet, Troy and Scott are joined this week by special guest, Ryan Detrick, Senior Market Strategist from LPL Financial as they discuss changes to retirement and what we can look forward to in 2018. Originally aired 1/13/2018

Teresa's premiere with Scott looks at "things you wish you knew" about retirement.

A new year, a new financial you. The GenWealth team takes a look why people fail in their New Years resolutions and how to set SMART goals. Originally aired 1/6/2018

John, Janet, Scott and Austin take a trip down memory lane and look at some of the top financial and retirement news of 2017. Originally aired 12/30/2017 *Fixed and Variable annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value.   *Dollar cost averaging involves continuous investment in securities regardless of fluctuation in price levels of such securities. An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Investing involves risk including loss of principal.

The GenWealth Dream Team takes a bit of a dive into what the new tax changes could mean for you and receives a visit from team member Anna Olive to answer questions about what to expect when you call in! Originally aired 12/23/2017

Austin joins Scott in this minisode talking about setting new goals and the discipline of keeping them when it comes to your money.

John, Janet, Troy and Scott take a look at decisions you can be looking at near the end of the year as well as looking forward into 2018. Originally aired 12/16/2017 *The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.   Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal.  Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax.

The GenWealth team takes a look at your retirement Christmas wishlist and some of the things you need to know about Social Security. Originally aired 12/9/2017

John, Janet, Eric, and Scott take a look at ways you can save for retirement. They are also joined this week by special guests Betsy Broyles Arnold and Molly Arnold to discuss Alzheimer's and the Broyles Foundation. Originally aired 12/2/2017

The GenWealth team takes a look at what you can do this holiday season to prepare for the new year. Originally aired 11/25/2017

L.I.F.E. A simple acronym for a complex topic. Join Austin and Scott in this minisode about insurance. *This material is not a solicitation to sell any insurance product nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. You may also visit your state’s insurance department for more information. State insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company.

John, Janet, Scott, and Eric take a look at the changes coming that can affect your retirement. *An investment in Exchange Traded Funds (ETF), structured as a mutual fund or unit investment trust, involves the risk of losing money and should be considered as part of an overall program, not a complete investment program. An investment in ETFs involves additional risks such as not diversified, price volatility, competitive industry pressure, international political and economic developments, possible trading halts, and index tracking errors. **Fixed and Variable annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value. Originally aired 11/18/2017

Join the GenWealth team as they discuss what's been going on in the market, news, and possible government changes. Originally aired 11/11/2017

John, Janet, Scott and Eric delve into a Think Advisor article regarding your "Retirement Saving Checklist: 15 Things to Know That Can Lead to Success." *Annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Originally aired 11/4/2017

As we continue to look into your financial wellness, John, Janet, Eric, and Scott take a look at the cooperation needed in your relationships in preparing for retirement. Originally aired 10/21/2017

Following up last-week's financial wellness check, the GenWealth Team dives into your financial lifestyle.

Do you get a check-up with your doctor? But how do you prepare for your financial health?

The GenWealth team takes a look at a quiz to determine your financial literacy and what you should know. Originally aired 9/30/2017

Do you know if you need a screwdriver or a wrench? John, Janet, Eric, and Scott take a look at what tools you might need in retirement. Originally aired 9/23/2017

The GenWealth team takes a look at differences in accumulation versus distribution phases in retirement. Originally aired 9/16/2017

Brandon talks about what it's like to be a walk-on in your retirement. *Regarding a Traditional IRA, withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. The Roth IRA offers tax deferral on any earnings in the account. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.

Retirement is not a spectator sport. Candice and Scott look at how.

John, Janet, Mason and Scott take a look at the "Seven Mistakes that Could Keep You from Retiring." Originally aired 9/9/2017

Don and Scott talk about how it's about more than just investments. *GenWealth Financial Advisors and LPL Financial do not provide legal advice or services.  Please consult your legal advisor regarding your specific situation.

What does being a free agent mean in retirement?

We're excited to kick of Retirement Intelligence Month! Find out more with the GenWealth Team! Originally aired 9/2/2017

Eric talks backup roles with Scott in this Get Ready for the Future Show minisode. *10% early withdrawal penalty if under 59 ½ years old.

Blocking and tackling with Tim on this week's minisode. *The Roth IRA offers tax deferral on any earnings in the account. Withdrawals from the account may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Future tax laws can change at any time and may impact the benefits of Roth IRAs. Their tax treatment may change.