Melhores podcasts sobre Retire Ready (2025)

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Mastering Tax Planning for a Secure Future 18:07

3d ago18:07

18:07

In this episode, Steve discusses the critical differences between tax filing and tax planning, emphasizing the importance of proactive financial strategies. They explore how recent political changes may affect financial decisions, stressing the need to focus on controllable factors. The conversation also delves into the often misunderstood world of…

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From Politics to Taxes, Taking a Look at 2025

6d ago

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In this episode, Rob welcomes special guest and financial advisor, Bill Altman. They dive deep into the political landscape and its potential impact on your finances in 2025. We'll discuss key tax policies that may change, analyze potential economic shifts, and explore investment strategies to navigate the evolving financial environment. Join us as…

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Maximize Your Retirement Savings: New 2025 Contribution Limits and Strategies 8:21

17d ago8:21

8:21

Send us a text This week on Retire Ready, host Kyle Hammerschmidt breaks down the latest updates and strategies to help you maximize your retirement savings. With big changes to contribution limits thanks to the Secure Act 2.0, it’s more important than ever to stay informed and plan ahead. 🎧 Highlights from the Episode: 🚀 2025 Contribution Limit Up…

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Financial Reflections on 2024

20d ago

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As 2024 comes to a close, we take a deep dive into the year’s biggest financial trends and lessons. From market shifts to emerging strategies, this episode provides valuable insights to help advisors and investors prepare for a successful year ahead. Don’t miss this opportunity to reflect, learn, and plan for the future!…

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Top 5 Reasons to Do Roth Conversions Before Retirement With $1M+ In Retirement Savings 10:14

24d ago10:14

10:14

Send us a text In this episode, Kyle, dives into one of his favorite tax planning tools: Roth conversions. If you’ve got over a million dollars saved in your retirement accounts, this could be the most impactful eight minutes of your week. Learn how Roth conversions can transform your retirement savings, offering benefits like tax-free withdrawals,…

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Favorite Christmas Movies and the Lessons We've Learned

27d ago

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In this very special and fun episode, we talk about our favorite Christmas movies along with financial and life lessons.Por Rob Kirvan

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Social Security Secrets: What Every Soon-to-Be Retiree Should Know 13:00

1M ago13:00

13:00

Send us a text Welcome to Retire Ready, the podcast that simplifies the complexities of retirement planning so you can confidently prepare for your golden years. Hosted by Kyle Hammerschmidt, this show dives into crucial topics like Social Security, retirement income strategies, and the decisions that can make or break your financial future. In thi…

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Navigating Retirement: End of Year Strategies 19:03

1M ago19:03

19:03

In this episode of the Ready, Set, Retire, Steve discusses essential end-of-year planning strategies for retirement, focusing on market predictions, the role of 401k as an income source, the importance of building a personal pension, and the benefits of Roth conversions. He emphasizes the need for guaranteed income in retirement and provides insigh…

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Avoiding Financial Fraud

1M ago

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Rob welcomes very special guest, Tim Madden, a Detective with the Naperville Police Financial Crimes unit. They discuss financial crimes and what to look out for.Por Rob Kirvan

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Understanding the Taxation of Social Security Benefits: What You Need to Know 10:27

1M ago10:27

10:27

Send us a text In this episode, Kyle dives into a critical yet often misunderstood aspect of retirement planning: the taxation of Social Security benefits. Many assume these benefits are tax-free, but the reality can be a costly surprise for retirees. Kyle breaks down the basics of Social Security taxation, explains how your income impacts tax thre…

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Navigating Tax Strategies for Retirement 17:19

1M ago17:19

17:19

In this episode, Steve discusses various strategies for retirement planning, focusing on tax strategies, the benefits of fixed index annuities, market trends, and the importance of balancing risk and income. He emphasizes the need for comprehensive planning to address longevity and healthcare costs, as well as the role of trusts in protecting asset…

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Do's and Don'ts at Thanksgiving Gatherings

1M ago

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We've got a fun one for you! In this episode we talk about the top dos and don'ts for Thanksgiving gatherings, from what to bring to how to handle tricky family dynamics. Tune in to ensure a stress-free and enjoyable Thanksgiving for everyone!Por Rob Kirvan

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Navigating the Social Security Benefits Application Process 13:06

1M ago13:06

13:06

Send us a text Podcast Description: In this episode of Retire Ready with Kyle Hammerschmidt, we’re tackling one of the most critical steps in your retirement journey: applying for Social Security benefits. Whether you're planning to claim at 62, hold out until 70, or fall somewhere in between, this episode has you covered with actionable advice. Ky…

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Married 59: The Road to Retirement in 5 Years | Case Study 20:08

2M ago20:08

20:08

Send us a text In this week’s episode, host Kyle Hammerschmidt dives into a detailed case study of "John and Mary," a married couple from Kansas, both aged 59, preparing to retire in five years. Kyle breaks down their financial landscape, including $1.7 million in tax-advantaged retirement accounts, Social Security strategies, and their goals of ma…

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Market Update with Mike Binger

2M ago

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Join us for a deep dive into the current market landscape with Mike Binger, president of Gradient Investments. Mike will share his expert insights on recent market trends, potential investment opportunities, and strategies to navigate through economic uncertainty. Tune in to gain valuable knowledge and actionable advice to protect and grow your wea…

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Six Point Checklist: Hiring a Financial Advisor for Retirement 10:53

2M ago10:53

10:53

Send us a text Planning for retirement is a journey, and choosing the right financial advisor is one of the most critical decisions you'll make. In this episode of Retire Ready, host Kyle Hammerschmidt unpacks the essentials for finding the perfect advisor to guide you through the complexities of retirement planning. 🔑 What You'll Learn: - The Six-…

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Navigating Retirement: Challenges for Generation X 15:49

2M ago15:49

15:49

In this episode Steve discusses the retirement challenges faced by Generation X, emphasizing the importance of financial planning and the role of financial advisors. They explore tax strategies for retirement savings, the significance of learning from financial mistakes, and the value of persistence in achieving financial goals. The conversation hi…

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5 Fun Ways to Boost Your Pre-Retirement Income 16:13

2M ago16:13

16:13

Are you looking for fresh ways to boost your income before retirement? In this episode, we explore five fun, practical ways to add to your cash flow without taking on the weight of a second job. Whether you’re saving to retire early, dreaming of shifting into a passion project, or just want a bit more financial freedom, these tips can help you get …

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11. Where do the pensions go? 8:40

2M ago8:40

8:40

In this episode we talk about what happens to pensions when you leave your employer or you decide to take the commuted value out. Whether that means you quit a job or even if you've retired, when you move your pension plan it will like end up in a Locked-In Retirement Accounts or LIRA. We cover the various rules for the LIRA and the various options…

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Never Too Late for a Roth Conversion? The Retiree's Tax-Slashing Secret 11:59

2M ago11:59

11:59

Send us a text In this episode, Kyle dives into a real-world retirement planning case study featuring a pre-retiree couple in their early 60s with diverse income streams, including Social Security, pensions, rental income, and investments. This discussion addresses three main concerns: maximizing Social Security, implementing a strategic Roth conve…

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Preparing for Retirement: Financial Strategies 13:47

2M ago13:47

13:47

In this episode Steve discusses the current state of national debt and interest rates, emphasizing the implications for retirement planning. They explore strategies for preparing for retirement, including the importance of understanding financial products like annuities and 401ks. The conversation also delves into the emotional aspects of transitio…

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Accumulation vs. Distribution

2M ago

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In this episode, we delve into the key differences between the accumulation and distribution phases of your financial journey. We'll discuss how to effectively save and invest during your working years to build a solid financial foundation. Then, we'll explore strategies for managing your wealth in retirement to ensure a comfortable and secure futu…

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Navigating 2025 Tax Brackets and Beyond: Essential Tips for Tax Planning 11:29

2M ago11:29

11:29

Send us a text In this episode, we’re diving into a topic that’s going to impact everyone’s finances in the coming year: the new 2025 federal income tax brackets. The IRS recently announced adjustments to the tax bracket ranges to keep up with inflation, helping taxpayers avoid "bracket creep" — the phenomenon where inflation alone pushes you into …

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The Importance of Retirement Planning 16:22

2M ago16:22

16:22

In this episode of the Ready, Set, Retire podcast, Steve discusses the importance of retirement planning, the significance of guaranteed income, and effective tax strategies for retirees. He emphasizes the need for individuals to reflect on their financial goals and the value of annuities in providing a steady income stream during retirement. The c…

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Market Update with Jeremy Bryan

3M ago

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In this episode, we sit down with Jeremy Bryan, a seasoned Senior Portfolio Manager, to delve into the world of portfolio management and investing strategies. Jeremy shares his insights on diversifying investments, risk management, and the importance of a long-term investment horizon. Tune in to learn how you can build a robust investment portfolio…

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Married Couple with $2.2M: When Can We Retire? 22:00

3M ago22:00

22:00

Send us a text In this episode, we explore essential retirement strategies through a real-life case study. Topics include: Crafting a sustainable retirement income plan Roth conversion strategies and how they can benefit retirees Maximizing Social Security to enhance income Tax-efficient withdrawal strategies for lasting savings Navigating retireme…

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2025 Social Security Changes: COLA Update and New Rules for Working Retirees 10:25

3M ago10:25

10:25

Send us a text In today’s episode, we’re diving deep into the 2025 Social Security changes that will impact your retirement plans. We’ll cover the essential updates, including: 2025 COLA Increase Earnings Limits for Working Retirees Impact on Your Benefits Holistic Retirement Planning Whether you're already retired or planning your retirement, this…

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Market Trends: What You Need to Know 15:44

3M ago15:44

15:44

In this episode, Steve discusses the impact of political changes on financial futures, emphasizing that the market operates independently of political leadership. He highlights the importance of understanding market trends and economic realities, particularly in the context of retirement planning. Steve advocates for a diversified approach to retir…

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Roth Conversion Mastery: 5 Golden Windows to Unlock Tax-Free Retirement Wealth 18:27

3M ago18:27

18:27

Send us a text In this episode, Kyle covers Roth conversions and how they can revolutionize your retirement strategy. Key topics include: The "five golden windows" for optimal Roth conversions How Roth IRAs and conversions work, including income limits and tax benefits Understanding backdoor Roth IRAs for high-income earners Strategies to minimize …

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10. Retirement Income Options 9:39

3M ago9:39

9:39

Today, we're going to switch things up and discuss the income side of registered accounts. That is, how do I spend the money I've saved for retirement, and more so in the context of the money we've saved through the Registered Retirement Savings Plan, or RRSP. We'll cover the ins and outs of the Registered Retirement Income Fund or RRIF: withdrawal…

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Navigating Financial Misinformation 20:05

3M ago20:05

20:05

In this episode, Steve discusses the pervasive misinformation in the financial world, drawing parallels to political discourse. He emphasizes the importance of proactive financial management, particularly in retirement planning, and the need for individuals to be informed and take action regarding their finances. The conversation covers strategies …

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Who Can You Trust? Finding a Financial Partner

3M ago

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Navigating the complex world of personal finance can be daunting. In this episode, we delve into the importance of finding a trusted financial advisor. We'll discuss key questions to ask potential advisors, red flags to watch out for, and how to build a long-lasting, fruitful partnership.Por Rob Kirvan

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5 Reasons Risk Tolerance Shouldn't Drive Your Investment Portfolio: A Holistic Approach to Retirement Planning 13:43

3M ago13:43

13:43

Send us a text Join Kyle as he dives deep into the critical distinction between risk tolerance and risk capacity, two essential components for building a successful retirement strategy. In this episode, Kolin explains the emotional and rational sides of risk and how they influence investment decisions. Discover real-world examples and learn why und…

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The October Effect: History's Impact on Markets 17:51

3M ago17:51

17:51

In today's episode, Steve discusses the recent interest rate cuts by the Federal Reserve and their implications for the economy and individual financial planning. He emphasizes the importance of understanding market history, particularly the October effect, and how it can impact retirement savings. The conversation also covers the traditional 60/40…

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The Importance of Reviewing Your Beneficiaries

3M ago

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In this episode, we delve into the critical importance of regularly reviewing your beneficiaries. Discover why it's essential to update your beneficiary designations to reflect life changes, such as marriage, divorce, or the birth of children. Learn about the potential consequences of outdated beneficiaries and how to ensure your assets are distrib…

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A Comprehensive Guide to Retirement: Social Security, Taxes, and Investment Returns 19:54

4M ago19:54

19:54

Send us a text In this episode, we dive into the top concerns for individuals nearing retirement, such as how to maximize Social Security benefits, implement tax-efficient strategies, and develop a comprehensive retirement plan that goes beyond just investments. Discover overlooked strategies that can help you keep more of your income and minimize …

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Medicare with Maribeth

4M ago

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In this episode, we delve into the complexities of Medicare planning. Discover how to navigate the various Medicare options, understand the enrollment deadlines, and learn strategies to optimize your coverage while minimizing costs. Join us as we break down the Medicare landscape and help you make informed decisions for your retirement years.…

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Mastering Medicare: 9 Essential Tips for Understanding Your Healthcare Coverage 10:12

4M ago10:12

10:12

Send us a text Are you feeling overwhelmed by Medicare and healthcare coverage? Join Kyle Hammersmith, where he breaks down the essentials of Medicare into nine easy-to-understand tips. From the basics of Medicare parts A, B, C, and D to crucial enrollment periods and cost considerations, this episode empowers you to navigate your healthcare benefi…

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Taking Control of the Economic Landscape 20:50

4M ago20:50

20:50

Steve discusses the current economic landscape, focusing on interest rates, inflation, and the importance of long-term income planning for retirement. Steve emphasize the need for individuals to take control of their retirement plans, address common fears associated with retirement, and balance financial realities with personal dreams and goals. Th…

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Overcoming Your Money Mistakes: Interview With Nia Adams 38:32

4M ago38:32

38:32

Learn how to overcome your money mistakes in this insightful interview with financial expert Nia Adams. Find out how to turn your financial setbacks into successful money management strategies. Everyone makes money mistakes. Whether it’s spending too much, not saving enough, or making a bad investment, we’ve all been there. These mistakes can make …

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Cal's Angels and Pediatric Cancer with Stacey Wahlberg

4M ago

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Rob welcomes Stacey Wahlberg, president of Cal's Angels. They educate the public about the realities of pediatric cancer, helping to foster greater understanding and support for affected children and their families. Join us in spreading the word and making a difference in the fight against pediatric cancer!…

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Navigating Financial Pressures in Retirement 17:09

4M ago17:09

17:09

Steve discusses the challenges faced by retirees, particularly the financial pressures that lead many to continue working past retirement age. They explore the concept of financial literacy, the importance of understanding 401k plans, and the need for guaranteed income in retirement. The conversation emphasizes the significance of communication bet…

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5 Critical Tax Planning Strategies for Your Retirement: Roth Conversions and Beyond 12:19

4M ago12:19

12:19

Send us a text Today, Kyle Hammerschmidt dives deep into the crucial topic of tax planning for retirement, focusing on Roth conversions, tax diversification, and essential strategies for those within 10 years of retirement. Tax planning is a vital, yet often overlooked, part of retirement preparation. By understanding how to manage your taxes effec…

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9. The Investing King of the Ring: RRSP vs TFSA 19:23

4M ago19:23

19:23

In this episode we’re going to answer the big question many Canadian retirement investors have: should I invest through the RRSP or the TFSA. Both have their pros and cons. So we're going to explore those today and talk about which option is the best for which situation. CRA Registered Retirement Savings Plan (RRSP) Guide for Individuals ‍CRA Tax-F…

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Maximizing Social Security for Couples: The Ultimate Guide to Dual Benefits 7:16

4M ago7:16

7:16

Send us a text This episode of Retire Ready with Kyle Hammerschmidt is your ultimate guide to maximizing Social Security benefits for married couples. Whether you’re approaching retirement or just starting to plan, you won’t want to miss these crucial strategies that could put thousands of extra dollars in your pocket. In this episode, you’ll learn…

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Creating an Income Plan in Retirement 16:09

4M ago16:09

16:09

Steve discusses various financial strategies and considerations for individuals worried about a recession. He emphasizes the importance of building up cash reserves, paying off high-interest debt, rebalancing investments, and staying calm during market fluctuations. Additionally, he addresses the impact of elections on financial plans and encourage…

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Elections and Your Portfolio - Myth vs. Reality

4M ago

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In this episode, we debunk the common myths surrounding the impact of elections on your investments. Discover how political events actually influence the market and learn strategies to navigate potential volatility. Join us as we separate fact from fiction and help you make informed financial decisions during election seasons.…

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Mastering Retirement: Key Mistakes and How to Avoid Them 11:43

5M ago11:43

11:43

Send us a text Welcome to the Retire Ready Podcast! In this episode, hosts Kolin and Kyle explore essential tips to avoid common retirement planning mistakes. Key topics include: Emotional Investing: How letting emotions drive your investment decisions can impact your long-term financial health. Social Security Timing: The consequences of claiming …

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How to Avoid the #1 Retirement Mistake That Could Cost You Thousands 7:12

5M ago7:12

7:12

Welcome to Retire Ready Too, the podcast dedicated to helping first-generation wealth builders achieve financial freedom and retire with confidence. Hosted by Renee Collins, CPA and financial planner, this show dives deep into the essential steps you need to take to secure your retirement. In each episode, we explore key financial strategies, commo…

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Retirement Planning for What You Can and Cannot Control 15:08

5M ago15:08

15:08

Send us a text In this episode, Kyle and Kolin dive into the crucial topic of control in retirement planning. They discuss three aspects you can’t control, such as tax rates, inflation, and market volatility, and how to navigate these challenges effectively. They also explore three critical elements you can control, including withdrawal rates, risk…

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