Retiring Today

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3xSVxc3

Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B

Retiring Today with Loren Merkle Host Molly Nelson share insight into inflation and retirement planning.- Discover why a modest amount of inflation is actually healthy for the economy.- Understand the impact of inflation on your retirement plans using real-life cost projections.- Explore strategic retirement planning to combat inflation's effect on fixed incomes.

Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapter

00:00 Inflation impacts retirement, causing higher living expenses.

05:32 Eye-opening talk on inflation planning in retirement.

06:22 Strategies for saving money on taxes in retirement.

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3xSVxc3

Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B

Retirement Planner Loren Merkle discusses important income and investment strategies that can help you prepare for rising retirement costs.-How to design a portfolio with inflation in mind.-The connection between retirement taxes and planning for inflation.-The important role portfolio diversification can play in mitigating infation risk.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chapter

00:00 High inflation impacts working and retired individuals.

03:57 "Forever bucket: long-term investment for retirement"

06:33 Accounting for inflation, strategies into retirement planning.

10:05 Merkel Retirement Planning: independent firm for retirement strategies.

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3xSVxc3

Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B

Facing the challenges of inflation can be daunting, especially as you plan for retirement. Learn actionable strategies to maintain your lifestyle without falling victim to the rising costs. - Discover how inflation has changed the cost of living over time, with a comparison of prices from the past to the present. - Understand the difference between working and retirement investment portfolios and how to adjust accordingly. - Learn the importance of knowing the risk level in your portfolio and how to control it to outpace inflation.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Haley Gutschenritter, CERTIFIED FINANCIAL PLANNER™

https://merkleretirementplanning.com/staff-members/haley-gutschenritter/

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapter

00:00 Retirement planning: Income, inflation, sustaining lifestyle.

04:59 Retirement affects portfolio; shift from risk.

06:47 Year three: working portfolio down 37%. Retired: down 10%, better recovery.

13:07 Remarrying after 60 may disqualify Social Security.

14:51 Leveraging complexity for lifetime Social Security benefits.

20:41 Evaluate risk to achieve retirement goals effectively.

21:33 Discover and manage risk in changing market.

25:05 Retirement planning workshop offers actionable financial strategies.

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3xK7HnC

Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B

In this video, Retiring Today Host Molly Nelson recaps our eye-opening episode of Retiring Today with Loren Merkle. According to ThinkAdvisor.com, there are $650 billion in tax savings that could be realized by retirees with the proper planning. Find out:

- Why retirees are leaving money on the table

- How to develop a plan that makes the most of your retirement savings

- Why you can't just focus on investments in retirement

Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapter

00:00 Early proactive financial planning saves money later.

04:45 Long-term tax planning incorporates investments and spending.

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3xK7HnC

Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B

According to ThinkAdvisor.com, retirees leave $650 billion on the table in tax savings each year because of missed tax planning opportunities. What can you do to make sure this doesn't happen to you? Retirement Planner Loren Merkle talks about strategies that help you pay less in taxes and have more to spend in retirement, including:- Why many advisors need to shift their focus when helping people plan for retirement- The common investment that could be costing you more than you realize- A strategy that could lower your tax bill in retirement

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chapter

00:00 Financial planning for retirement at age 30-40.

05:37 Study shows significant tax savings in investments.

07:53 Early retirement may qualify for Affordable Care.

10:03 Annuities fees, evaluate before replacing mutual funds.

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4cLg96d

Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B

Will Social Security go broke? Retiring Today With Loren Merkle Host Molly Nelson recaps predictions of Social Security, including options lawmakers have for changing the rules. Understand this vital source of retirement income with these key takeaways.- The possibility of altering the Social Security benefits formula.- Grasp the expected percentage of benefits people might receive post-2034.- Consider the public's reaction to a possible reduction in Social Security benefits.- Learn what full retirement age means and how it affects your Social Security benefits.- Explore the factors beyond age that impact the decision to elect Social Security benefits.

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapter

00:00 Yearly COLA adjustments, uncertainty and future concerns.

03:47 Stay informed about Social Security to maximize benefits.

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4cLg96d

Register for our next Journey to Retirement Online Workshop to learn more about building your income plan and a comprehensive retirement plan. - https://bit.ly/4aeNR1B

Knowing when to elect Social Security can feel overwhelming. With the possibility of 81 different election options for couples, the choice is anything but straightforward. It is more than just deciding between taking benefits at 62 (when you can first elect), at Full Retirement Age (66 or 67 for most people), or at 70 (the age at which your benefit stops growing). Experienced Retirement Planner Loren Merkle explains:

- The impact Social Security decisions have on your retirement, with lifetime benefits reaching up to $500,000 for individuals.

- The difference between taking Social Security early vs. at Full Retirement Age (FRA) and how health and longevity play into this decision.

- Why factors like your investments, and your legacy plan should be considered when making your Social Security election.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.`

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3xpdWx6

Register for our next Journey to Retirement Online Workshop to learn more about building your income plan and a comprehensive retirement plan. - https://bit.ly/4aeNR1B

In this episode of Retiring Today discuss Social Security and the role it plays in a comprehensive retirement plan. We explore when you should elect Social Security and we help you understand which of the 81 Social Security options is right for you.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapter

00:00 The Importance of Your Social Security Benefit

04:00 Social Security Eligibility Rules

05:35 Your Social Security Break-Even Point

12:00 How Much Health Care Costs in Retirement

19:00 How Find the Right Social Security Options for You

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about building a retirement plan and take the first step of your retirement journey by booking a Retire Ready Call today: https://bit.ly/4adDED6

In this episode recap, Loren Merkle discusses how you can protect your retirement savings by choosing the right financial advisor who specializes in the financial services that are best suited for your stage in life and by creating a retirement plan that is based on realistic financial assumptions. These tips can help you develop a retirement plan that allows you to achieve the retirement lifestyle that you want for your retirement.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chapters

00:00 The Challenges of Retirement

01:18 How to Choose the Right Financial Advisor for You

03:05 Building a Retirement Plan Using Realistic Assumptions

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare yourself for retirement by registering for our complimentary Journey to Retirement online workshop: https://merkleretirementplanning.com/workshops/

Imagine a $10 million difference between financial plans. That's right, $10 million. Alarming, right? We recently met with a couple who experienced just that. Hear a recap of their story and find out what questions to ask to ensure you have a comprehensive retirement plan, not just an investment plan.

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapters:

0:00 The Importance of Choosing The Best Financial Advisor for You

2:10 Questions You Can Ask Your Financial Advisor

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/43rlPhp

Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B

Retirement is one of the most important decisions that you will make and there is a lot of conflicting retirement information that you may hear. In this episode of Retiring Today, we talk about what you can do to protect your nest egg, grow your retirement investments, and live comfortably in retirement.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/

Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/

Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapter

00:00 Introduction

00:40 Understanding How to Achieve Retirement Goals

01:40 Be Cautious of Mixed Messaging Around Retirement

02:52 How to Create a Realistic Retirement Investment Plan

07:05 Use the Right Assumptions When Building a Retirement Plan

07:47 Not All Financial Advisors Do The Same Thing

11:50 Can I Still Elect My Social Security Survivorship Benefit If I Remarry?

18:35 Questions You Can Ask Your Advisor to Know if Your Retirement Plan Is Realistic

22:50 What is a Realistic Rate of Return for Your Investments

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about building a retirement plan and take the first step of your retirement journey by booking a Retire Ready Call today: https://bit.ly/3TlkB2q

Retirement is so much more than investments. Did you know there are six pillars that hold up a comprehensive retirement plan? Retirement Planner Loren Merkle discusses each pillar, how they work together, and why they are the foundation of your retirement.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/

Chapters

00:00 What is a Retirement Plan?

00:57 The Lifestyle Plan

01:22 The Income Plan 01:58 The Tax Plan

02:30 The Healthcare Plan

03:20 The Investment Plan

04:33 The Legacy Plan

05:50 Implementing Your Retirement Plan

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about building a retirement plan and take the first step of your retirement journey by registering for our online Journey to Retirement Workshop: https://bit.ly/3ve5nUV

Nothing about retirement is a straight line. There are twists and turns along the way. You don't feel the same, spend the same, or even invest the same during a 20 or 30-year retirement. That's why you can't set it and forget it when building a retirement plan. Working with a retirement planner means THEY should reach out to YOU throughout retirement. Find out when and why you have to update your plan throughout retirement.

Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapters

00:00 You Can't Set Your Retirement Plan & Forget It

00:45 What Are The Rules of Retirement

02:00 How Spending Changes in Throughout Retirement

03:03 Your Financial Advisor Should Not Be Setting Your Plan & Forgetting It

03:21 What Your Financial Advisor Should Be Doing

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3vozpFB

Register for our next Journey to Retirement Online Workshop to learn more about building your income plan and a comprehensive retirement plan. - https://bit.ly/4aeNR1B

In this episode of Retiring Today we talk about how you can't just set your retirement plan and forget it. Many external factors such as legislation and life changes can have a big impact on your retirement, creating a need to make changes to your retirement plan so you can protect your retirement savings and maximize your retirement income.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapter

00:00 Your Cannot Set Your Retirement Plan and Forget It

02:51 How Legislation Can Impact Your Retirement

07:22 Change Your Retirement Plan to Maximize Savings with New Legislation

12:33 The Three Phases of Retirement

19:40 Review Your Retirement Plan At Least Once Per Year

20:30 How to Build a Retirement Plan

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Start preparing for your retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3Tblc70

This recap video includes a list of questions you can ask your financial advisor to ensure you have the right person on your team as you head into retirement. Not all advisors do the same things, and not all teams specialize in retirement. Find out what to look for in a retirement planner and the specific ways they can help you make the most of your retirement.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chapters

00:00 What to ask your financial advisor

02:10 Is Your Financial Advisor Being Proactive?

03:00 Is Your Advisor Talking to You About Your Tax Plan?

03:45 Are You Working With A Financial Advisor or Retirement Planner?

05:05 Finding A Planning Team

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare yourself for retirement by registering for our complimentary Journey to Retirement online workshop: https://merkleretirementplanning.com/workshops/

What is your advisor's succession plan? It can feel like a difficult conversation to have, but it's an important one. After all, this is your retirement savings. If the person you are working with doesn't have a plan for you when they retire, it may be time for you to move on. Retiring Today Host Molly Nelson talks about the questions to ask, what to look for, and the importance of asking your advisor about their retirement.

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapters:

0:00 Is Your Financial Advisor Retiring?

1:20 Does Your Advisor Have a Succession Plan?

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4ay3D8f

Register for our next Journey to Retirement Online Workshop to learn more about building your income plan and a comprehensive retirement plan. - https://bit.ly/4aeNR1B

In this episode of Retiring Today we give you some steps you can take if your financial advisor is retiring. From a checklist of questions you can ask your advisor to qualities you should look for in a new advisor.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Clint Huntrods, PhD, Retirement Planner

https://merkleretirementplanning.com/staff-members/clint-huntrods/

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapter

00:00 Your Financial Advisor is Retiring, Now What?

00:54 More People Are Retiring Now Than Ever Before

02:30 You Don't Want to Retire With Your Advisor

3:40 Don't Let Your Advisor Get Picked For You

4:33 Your Financial Advisor Checklist

9:38 Do You Have the Right Advisor?

13:20 Social Security Survivorship Benefits

19:50 Does Your Advisor Have a Succession Plan?

20:45 The Team Approach to Retirement Planning

23:43 Developing a Recession Resistant Investment Portfolio

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Start preparing for your retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3VbxA9D

How does probate work? Do you need a will or a trust to avoid probate? Retirement Planner Loren Merkle breaks down the probate process, plus tips on how to make sure you don't make a common trust mistake.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chapters

00:00 The Probate Process Explained & The Cost of Probate

01:00 Is a Trust or a Will Best?

01:55 Which Assets Go Into a Trust

03:57 How to Find an Estate Planning Attorney

04:24 One Common Legacy Planning Misconception

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about building a legacy plan and take the first step of your retirement journey by booking a Retire Ready Call today: https://bit.ly/4a6ffiZ

What are you putting off - a dentist appointment, mending a relationship, thinking about what happens to your assets when you're gone? You are not alone. In this episode recap, Host Molly Nelson highlights the importance of a building a legacy plan and some heartbreaking stories of what can happen without a legacy plan. These stories may motivate you to take the first step to securing what happens to your retirement savings when you are gone.

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapters

00:00 Don't Put Off Building Your Legacy Plan

01:30 What Is a Legacy Plan?

01:34 How to Retire Early and Avoid a 401(k) Penalty

02:02 Creating a Written Legacy Plan

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3VbxA9D

Register for our next Journey to Retirement Online Workshop to learn more about building your income plan and a comprehensive retirement plan. - https://bit.ly/49NrPn2

In this episode of Retiring Today we discuss important mindset shifts when it comes to legacy planning. You will learn about the legacy planning process and whether a will or a trust is best for your situation. Loren even reviews 3 often overlooked legacy planning documents that can help you optimize your legacy plan.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/

Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapter

00:00 What is a Legacy Plan?

02:48 Legacy Planning Isn't Just for the Ultra Wealthy

04:08 A Will Does Not Take Care of Everything

04:50 The Government's Legacy Plan

5:50 The Differences Between a Will and a Trust

11:10 What is an Estate?

12:10 Plan Now for Your Loved Ones

15:15 Three Often Overlooked Legacy Planning Documents

21:20 Get Organized for Your Loved Ones

22:21 Update Your Beneficiaries

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Start preparing for your retirement by downloading the complimentary Retire Your Way Toolkit - https://merkleretirementplanning.com/toolkit/

At age 59 1/2, many people have an important retirement to make: leave your money in a 401(k) or roll it into an IRA. In this recap video, Retirement Planner Loren Merkle talks about the advantages of leaving your money in your 401(k), including when it could save you money, at what age you can avoid early withdrawal penalties, and a little-known 401(k) rule that kicks in at age 55. But that's just half the story. You also need to know the advantages of rolling your money to an IRA. Retirement Planners Loren Merkle and Chawn Honkomp dicuss that during the full episode of "Isn't My 401(k) a Retirement Plan?"

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chapters

00:00 The 59 1/2 Decision

00:34 Reasons to keep your money in your 401(k)

01:34 How to Retire Early and Avoid a 401(k) Penalty

02:58 Building a Customized Retirement Plan

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3wQnVLh

Register for our next Journey to Retirement Online Workshop to learn more about building your income plan and a comprehensive retirement plan. - https://bit.ly/3wHyTTp

In this episode of Retiring Today we dive into the 401(k) retirement account and explore common 401(k) misconceptions, maximum 401(k) contributions, and 401(k) investment strategies that can help optimize your investment risk level. We also discuss the important role a 401(k) account can play as part of a comprehensive retirement plan.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA®

https://merkleretirementplanning.com/staff-members/chawn-honkomp/

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapters

00:00 A 401(k) Is Not A Retirement Plan

01:25 The Advantages of a 401(k)

02:05 The Downsides of a 401(k)

03:08 Should You Use a 401(k) or a Roth 401(k)

04:15 Changing How You Think About Your 401(k) Investment Strategy

08:13 The Importance of Understanding Your 401(k) Investment Risk Level

11:01 How to Evaluate Investment Risk In Numbers

17:30 2024 401(K) Contribution Limits

18:15 The 401(k) 59 1/2 Rule

22:00 The 401(k) Is Not Designed for Investment Control

24:15 401(k) Withdrawal Rules

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/42YU8Mw

Register for our next Journey to Retirement Online Workshop to learn more about building your income plan and a comprehensive retirement plan. - https://bit.ly/49CaTzG

In this episode of Retiring Today we discuss important mindset shifts when it comes to your retirement income. Discover key insights and strategies to help you navigate the transition from working life to retirement. Also learn how to you can start building your retirement income plan and understand how much you might need saved for retirement.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapters

00:00 How to Rethink Your Income in Retirement

02:10 Retiring Without A Pension

04:30 Does the 4% Rule Work?

05:18 Do You Need $3 Million to Retire?

06:35 When to Take Social Security

09:00 How to File for Social Security

13:00 Don't Use Rules of Thumb

16:29 How to Build an Income Plan for Retirement

23:15 Tax Efficient Income Strategies

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

https://merkleretirementplanning.com/toolkit/

Register for the next Journey to Retirement online workshop to take the first step in your retirement journey - https://merkleretirementplanning.com/workshops/

To make the most of retirement you have to think differently about EVERYTHING – including investments. Today we talk about how to rethink your investments, specifically how to build an investment portfolio for retirement, how to think about your investment risk in retirement, and what you can do now to put yourself in a better position to retire!

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapters

00:00 Rethinking Investments in Retirement

02:00 How People Think of Investments Before Retirement

03:07 Building A Recession Resistant Portfolio

07:15 The 60/40 Portfolio Strategy and Why It Is Outdated

12:27 Investing Today is Not the Same as Investing 20 Years Ago

14:10 Alternative Investment Options

15:21 What a Investment Portfolio for retirement looks like

16:57 Annuities and Dependable Income

21:20 Rethinking Your Investment Risk

22:57 How Having Too Much Risk Can Impact Your Investment Portfolio

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Discover more retirement tax saving strategies in the complimentary Retire Your Way Toolkit - https://merkleretirementplanning.com/toolkit/

Register for the next Journey to Retirement online workshop to take the first step in your retirement journey - https://merkleretirementplanning.com/workshops/

Retirement is a mindset shift – EVERYTHING changes including the way you should think about taxes. In this episode of Retiring Today, Loren Merkle and Chawn Honkomp discuss how taxes in retirement can be different than taxes in your working years. They help you understand how you can begin to calculate what you may be taxed throughout your retirement and demonstrate tax strategies that can help you lower your tax bill in retirement

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA®

https://merkleretirementplanning.com/staff-members/chawn-honkomp/

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapters

00:00 Rethinking Taxes in Retirement

04:48 What You Can Control with Your Taxes in Retirement

10:52 How to Calculate Your Social Security Tax Rate

20:50 Retirement Accounts: Taxed vs. Tax-Free

25:08 The Power of a Comprehensive Retirement Plan

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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Learn more about how to retire confidently by downloading the complimentary Retire Your Way Toolkit - https://merkleretirementplanning.com/toolkit/

Register for the next Journey to Retirement online workshop - https://merkleretirementplanning.com/workshops/

Retirement can be an exciting and stressful time in your life. In this episode of Retiring Today with Loren Merkle we help you understand how to build confidence in your retirement vision by detailing three ways you can overcome your fear of running out of money in retirement. Loren Merkle and Chawn Honkomp explain how retirement strategies such as analyzing your social security options and creating a retirement budget can help ease your retirement worries.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

https://merkleretirementplanning.com/staff-members/loren-merkle/

Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA®

https://merkleretirementplanning.com/staff-members/chawn-honkomp/

Molly Nelson, Host of Retiring Today

https://merkleretirementplanning.com/staff-members/molly-nelson/

Chapters

00:00 The Causes of Retirement Fear

04:34 Electing Social Security

06:02 Tax Savings in Retirement 06:52 Building a Retirement Investment Inventory

10:46 How Much You Need for Your Retirement Lifestyle

11:27 How to Make a Retirement Budget

16:51 The Importance of a Budget in a Comprehensive Retirement Plan

17:38 How to Make a Retirement Plan

20:13 The Psychology of Retiring

24:22 Starting Your Retirement Journey

This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.

Don’t wait! Have a plan in place and DOWNLOAD your Succession Plan Checklist now at SuccessionChecklist.com

Are you worried about having a plan in place when you pass? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

ABOUT THIS EPISODE

When it comes to planning for retirement – we preach being prepared – and we emphasize “act now.” Your end of life is no different. Plan now for yourself and for your loved ones. Special guest Ryan Fredregill of Celebrate Life Iowa stresses the importance of having a plan for your funeral for when you pass and the best way you can accomplish that.

Ryan FredregillCelebrate Life IowaCelebrateLifeIowa.com(515) 689-5522

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

Molly Nelson, Host of Retiring Today

Richelle Smith, Producer of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

ABOUT THIS EPISODE

Everything changes in retirement – including how you think about the legacy you want to leave behind. Find out which three legacy planning documents are often overlooked and how to make sure all of your ducks are in a row when it comes to what happens to you, your retirement savings, and your possessions.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

Molly Nelson, Host of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

ABOUT THIS EPISODE

Whether this is your first year on Medicare or you’ve been on it for several years, you should take a look at your plan each year. In this rebroadcast we discuss how revisiting your coverage and supplement could save you money and prevent surprises when you visit the doctor or pick up a prescription.

AnnaMarie Morrow, Director of Medicare

Molly Nelson, Host of Retiring Today

Richelle Smith, Producer of Retiring Today

To schedule a 15 Minute Retirement Check up call go to MerkleRetire.com

ABOUT THIS EPISODE

Many Americans fear they will outlive their retirement savings. We discuss three ways to overcome your fear of running out of money in retirement – including often overlooked factors like inflation and taxes.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

Clint Huntrods, PhD

Molly Nelson, Host of Retiring Today

To schedule a 15 Minute Retirement Check up call go to MerkleRetire.com

ABOUT THIS EPISODE

We get a LOT of questions about Medicare during our online Journey to Retirement Workshops. In this rebroadcast, Merkle Retirement Planning Director of Medicare AnnaMarie Morrow, answers some of your most frequently asked questions to help you make sense of Medicare.

AnnaMarie Morrow, Director of Medicare

Molly Nelson, Host of Retiring Today

Jack Henry, Producer of Retiring Today

Get your retirement toolkit today! This complimentary toolkit includes a copy of Loren’s book Retire Your Way. Go to RetireYourWayToolKit.com To schedule a 15 Minute Retirement Check up call go to MerkleRetire.com

ABOUT THIS EPISODE

It may sound hard to believe, but a recent study finds many people fear retirement more than death. During this rebroadcast, we uncover what people fear most and discuss ways to face this phase more confidently.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

Clint Huntrods, PhD

Molly Nelson, Host of Retiring Today

Richelle Smith, Producer of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

ABOUT THIS EPISODEA new phase of life requires a new perspective. Find out why you have to rethink taxes and retirement and what you can do right now to get to put yourself in a better position to retirement.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

Molly Nelson, Host of Retiring Today

Jack Henry, Producer of Retiring Today

Get your retirement toolkit today! This complimentary toolkit includes a copy of Loren’s book Retire Your Way. Go to RetireYourWayToolKit.com

To schedule a 15 Minute Retirement Check up call go to MerkleRetire.com

ABOUT THIS EPISODE

Social Security is a big part of your retirement income. We are rebroadcasting this important information to help you maximize your benefit. Find out what they DON'T tell you about Social Security!

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

Molly Nelson, Host of Retiring Today

Richelle Smith, Producer of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

A new phase of life requires a new way of thinking about income. Find out why you should take a step back and rethink your income in retirement.

Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA®

Clint Huntrods, PhD

Molly Nelson, Host of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

Crime. Investigation. Conviction – it's like your favorite show – but with important retirement information. “Detectives” Loren Merkle and Chawn Honkomp solve mysteries about taxes, investments, and more!

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA®

Molly Nelson, Host of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

Like your favorite detective show, we are solving retirement mysteries – but the outcome of this show could help you make the most of retirement. Join us as retirement “detectives” Loren Merkle and Chawn Honkomp solve mysteries about taxes, investments, and more!

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA®

Molly Nelson, Host of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

Owning stocks, bonds, and annuities may feel like a retirement plan – but investments alone aren’t enough. Discover what else you need to live out your retirement vision.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

Molly Nelson, Host of Retiring Today

Richelle Smith, Producer of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

More than two-thirds of pre-retirees have not met with a financial advisor. This could be hurting their confidence when it comes to retirement. What’s holding you back? Is it the unknowns of the process? Uncertain of the benefits? These ten questions will help you find the right retirement planner.

Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA®

Molly Nelson, Host of Retiring Today

Richelle Smith, Producer of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

Congratulations, you’re ready to retire! Now what? Five steps to take when you are ready to retire.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

Molly Nelson, Host of Retiring Today

Richelle Smith, Producer of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

Whether this is your first year on Medicare or you’ve been on it for several years, you should take a look at your plan each year. Taking the time to revisit your coverage and supplement could save you money and prevent surprises when you visit the doctor or pick up a prescription.

AnnaMarie Morrow, Director of Medicare

Molly Nelson, Host of Retiring Today

Richelle Smith, Producer of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com

Hard working savers don’t deserve to be punished for doing all of the right things when it comes to saving for retirment. Discover three commonly overlooked tax savings opportunities (before they’re gone)!

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

Molly Nelson, Host of Retiring Today

Richelle Smith, Producer of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

ABOUT THIS EPISODE

Not all retirement income is taxed the same. We explore ten types of retirement income and how they are taxed. Avoid surprises and learn about steps you can take now to lower your retirement tax bill.

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®

Molly Nelson, Host of Retiring Today

Richelle Smith, Producer of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

A customized retirement plan – we talk about it all the time –but what do we mean? We break it down and explain why a customized plan is the only way to go when it comes to your retirement!

Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA®

Molly Nelson, Host of Retiring Today

Jack Henry, Producer of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

We are answering your most frequently asked Medicare questions with our Medicare Director AnnaMarie Morrow. From question to question - you asked – we answered.

AnnaMarie Morrow, Director of Medicare

Molly Nelson, Host of Retiring Today

Jack Henry, Producer of Retiring Today

Do you have more questions about retirement? Schedule your 15 Minute Retirement Check-Up Call to talk with a retirement planner at ⁠MerkleRetire.com⁠

You have to rethink the way you look at mutual funds as you get closer to retirement. What’s worked during the working years – may not cut it anymore. Find out the pros, cons, and alternatives to mutual funds.

Haley Gutschenritter, CERTIFIED FINANCIAL PLANNER™

Molly Nelson, Host of Retiring Today

Richelle Smith, Producer of Retiring Today