Episodios
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About Don Gleason: Don Gleason, CEO and President of Achieve New Heights, leverages his passion to 'help people find the career that energizes them and the life that fulfills them.' He discovered early on his passion to 'clean Americaâs waters' and later to 'lead teams to new heights.' After 42 years in military and corporate leadership positions, he now helps others find their passion, as many know the destination but not the path.
In this episode, Shawn and Don Gleason discuss:
The importance of early retirement planning and financial readinessBalancing personal health and financial strategies in retirementPersonal growth through self-assessment and accountability practicesMitigating risks in retirement and protecting against market volatilityKey Takeaways:
Starting retirement planning by age 40 allows for the benefits of compounding and lowers the risk of financial strain, as waiting until later years significantly limits financial growth potential.Balancing a financial retirement plan with healthcare preparation is crucial, as both health maintenance and potential rising healthcare costs become essential factors in financial stability.Regular self-assessment, including identifying personal successes and gaps, enables individuals to make better life and career adjustments, which ultimately supports more fulfilling retirements.Establishing multiple income sourcesâsuch as pensions, Social Security, savings, and personal investmentsâadds resilience to a retirement plan and helps ensure that financial goals can be met despite market fluctuations."You don't wander into success. Success comes from planningâfiguring out where I want to go, what I want to do, and how to get there." â Don Gleason
Connect with Don Gleason:
Website: https://achievenewheights.com/
Email: [email protected]
LinkedIn: https://www.linkedin.com/in/don-gleason/
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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About Mark Hansen: Mark Hansen is the host of The Quiet Part and the founder of Second Comma, where he specializes in financial planning for single-income families. As a devoted husband and father, Mark understands the challenges of balancing present needs with future goals. Passionate about empowering families to navigate their financial journeys, he transitioned from corporate roles to independent advising after realizing his true calling lay in helping others. Through his podcast and e-book, Mark shares his insights and process, guiding listeners toward a more intentional approach to personal finance.
In this episode, Shawn and Mark Hansen discuss:
Career transitions and their impact on personal fulfillmentThe role of family and personal priorities in major life decisionsThe importance of long-term financial and retirement planningCommon challenges in planning for future financial stabilityKey Takeaways:
Mark transitioned from a corporate role after an HR email prohibited him from giving financial advice to coworkers, pushing him toward financial planning full-time.Spending uninterrupted time with his son during the COVID-19 lockdown helped Mark realize the importance of family and ultimately led him to choose family over career advancement.Delaying retirement savings means sacrificing the most impactful compounding interest growth, making early contributions vital to long-term financial success.Younger individuals often struggle to prioritize retirement planning due to immediate life demands, making it essential to shift focus toward long-term goals."The last untouched year is the greatest potential for growth from compound interest. So when you delay retirement by a year, thatâs the year youâre sacrificing. Youâre not sacrificing the first year; youâre always sacrificing the last year. And the last year is always potentially the biggest year." â Mark Hansen
Connect with Mark Hansen:
Website: https://www.second-comma.com/
Email: [email protected]
Show: The Quiet Part Podcast: https://podcasts.apple.com/us/podcast/the-quiet-part/id1733096383
LinkedIn: https://www.linkedin.com/in/second-comma/
Twitter: https://x.com/Second__Comma
Facebook: https://www.facebook.com/secondcomma
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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About Ben Tuscai: Ben Tuscai is the Vice President of Financial Planning and a Wealth Advisor at Sunpointe Investments, where he focuses on helping Family Office and Wealth Management clients create personalized financial plans. He believes that understanding each individual involved is essential to successful planning. Ben holds an undergraduate degree from Immaculata University and a Masterâs in Public Administration from West Chester University of Pennsylvania. Before joining Sunpointe, he spent seven years at The Vanguard Group, coaching advisors on financial planning, investments, and business management, and he is a Certified Financial Plannerâą professional.
In this episode, Shawn and Ben Tuscai discuss:
Personalization in financial planningThe evolving role of technology in financial advisingGenerational wealth and family office complexitiesChanging landscape of retirement planningKey Takeaways:
Tailoring financial advice requires a balance of structured questions and allowing conversations to develop naturally, ensuring each clientâs unique emotional and financial concerns are addressed.Financial advisors today are expected to handle a wider range of services, from traditional investment advice to more complex issues like student loan forgiveness or tax planning, due to the increased expectations from clients.Managing wealth in family offices involves addressing concerns about wealth transfer across generations, ensuring that education and financial discipline are imparted to younger family members to avoid entitlement.The financial planning profession now requires constant adaptation and learning, with changes in tax laws, retirement account regulations, and technology shaping how advisors provide value to clients."As technology continues to progress, we're going to see ourselves continue to branch into other areas." â Ben Tuscai
Connect with Ben Tuscai:
Website: https://sunpointeinvestments.com/
LinkedIn: https://www.linkedin.com/in/bentuscai/
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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About Ron Blue: Ron Blue is the founder of the Ron Blue Institute and several other organizations, including Ronald Blue Trust, Kingdom Advisors (KA), and the National Christian Foundation (NCF). KA trains Christian financial professionals to integrate biblical wisdom, and NCF helps people develop biblically-based strategies for faithful and generous living. Ron has authored over twenty books on personal finance from a Biblical perspective. The Ron Blue Institute supports Christian universities, churches, schools, and financial professionals globally, sharing Ronâs decades of expertise through publications, curriculum development, courses, and consultations.
In this episode, Shawn and Ron Blue discuss:
Integrating biblical principles into financial decisionsThe role of generosity and financial stewardship in personal and spiritual growthViewing financial decisions as spiritual choicesCollaborating with educational and religious institutionsKey Takeaways:
Biblical financial literacy is essential, with over 2,300 Bible verses on money, illustrating the importance of understanding and applying scriptural principles in making sound financial decisions.Achieving contentment and generosity requires intentional limits, such as setting a "finish line" on lifestyle and accumulation, which allows individuals to focus more on giving and less on personal wealth.Viewing financial decisions as spiritual choices encourages individuals to see actions like tithing, spending, or saving as reflections of their faith and values, aligning their money management with biblical teachings.The Ron Blue Institute's partnerships with universities and churches are key in expanding access to financial education, using biblical principles to teach individuals how to manage money wisely while integrating faith-based wisdom into their financial lives."Generosity and financial stewardship are outcomes of a transformed heart." â Ron Blue
Connect with Ron Blue:
Website: https://ronblueinstitute.com/
Book: https://www.amazon.com/stores/author/B001IU0O5M
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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Adrian Brambila, a self-made millionaire who gained TikTok fame by earning $1.7 million while living in a van, and Dr. Brad Klontz, a leading authority on wealth psychology, have combined their unique expertise in Start Thinking Rich: 21 Harsh Truths to Take You from Broke to Financial Freedom. This book blends Adrian's real-world financial success with Dr. Klontz's academic insights to offer a tough-love, actionable guide for achieving financial independence. It encourages readers to confront harmful money habits and develop strategies for saving, investing, and growing wealth.
In this episode, Shawn, Adrian, and Dr. Brad discuss:
How mindset influences financial success and wealth accumulationVarious approaches to achieving financial independenceThe role of TikTok and social media as tools for teaching financial literacyChallenging traditional views on retirementKey Takeaways:
Embracing minimalism challenges the traditional view that wealth is defined by material possessions, showing that true financial freedom lies in controlling your time and choices.Changing limiting beliefs around money, such as scarcity or fear of failure, is crucial for overcoming financial struggles and achieving long-term wealth.Distancing from those with poor financial habits can help reinforce healthy financial behaviors, as your social circle significantly impacts your mindset and financial decisions.Retirement without a clear sense of purpose can lead to dissatisfaction, emphasizing the need for a structured, purpose-driven post-work life rather than simply quitting work."Wealth is not about objects. Wealth is about freedom. Wealth is about your time and choosing to live however you'd like." â Adrian Brambila
"You donât want to become a millionaire, you just want to spend a million dollars... a poor mindset will start rattling off all the stuff theyâre going to buy." â Dr. Brad Klontz
Connect with Adrian and Dr. Brad:
Website: https://www.startthinkingrich.com/
Dr. Bradâs LinkedIn: https://www.linkedin.com/in/drbradklontz/
Dr. Bradâs Instagram: https://www.instagram.com/drbradklontz/
Dr. Bradâs TikTok: https://www.tiktok.com/@drbradklontz
Dr. Bradâs X (Twitter): https://x.com/DrBradKlontz
Dr. Bradâs Facebook: https://www.facebook.com/brad.klontz
Adrianâs LinkedIn: https://www.linkedin.com/in/adrianbrambila/
Adrianâs Instagram: https://www.instagram.com/brambilabong/
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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About George Kinder: George Kinder is a renowned author, international thought leader, and pioneer in financial life planning. For over 35 years, he has transformed the financial services industry by focusing on aligning clients' financial plans with the lives they aspire to lead. Founder of the Kinder Institute of Life Planning, he has trained thousands of professionals worldwide. His influential books, The Seven Stages of Money Maturity (1999), Lighting the Torch (2006), and Life Planning for You (2014), are considered foundational works in the field.
In this episode, Shawn and George Kinder discuss:
The evolving nature of financial planningThe impact of holistic financial life planning on retirement strategiesMission and influence of the Kinder Institute on the financial advisory professionThe relationship between freedom, life goals, and financial planningKey Takeaways:
Georgeâs shift from tax advisory to life planning was driven by his realization that training financial advisors would enable him to reach more people by helping align their financial strategies with their personal life goals.The mission of George's Kinder Institute is to transform traditional financial planning by ensuring clients' dreams and values are the priority, rather than focusing solely on selling products or achieving monetary targets.In his book Seven Stages of Money Maturity, George highlighted the emotional and psychological aspects of money management, reshaping the financial industryâs approach to focusing on the human experience in planning.By teaching financial advisors to listen deeply to clientsâ aspirations, Georgeâs life planning approach empowers clients to overcome obstacles and live a life of freedom centered on their true desires and values."The client's life comes first... the primary thing was finding out where the client wanted to go with their life and making sure they got there." â George Kinder
Connect with George Kinder:
Website: https://www.kinderinstitute.com/
& https://www.georgekinder.com/
Books: https://www.amazon.com/stores/George-Kinder/author/B001JRXW6M
LinkedIn: https://www.linkedin.com/in/george-d-kinder-0749196/ & https://www.linkedin.com/company/kinder-institute-of-life-planning/
Twitter: https://x.com/kinderinstitute
Facebook: https://www.facebook.com/kinderlifeplanning/
Instagram: https://www.instagram.com/kinderinstitute/
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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About Stephen Kates: Stephen Kates is a Certified Financial PlannerÂź with over 15 years of experience in wealth management and financial planning. As the Principal Financial Analyst for Annuity.org and RetireGuide.com, he offers strategic insights on market trends and investment strategies. Stephen is also the Founder of Clocktower Financial Consulting, LLC, and has previously served as Head of Financial Planning for Advisor.com. His expertise has been featured on major media platforms including Fox Business, CBS News, and Newsweek.
In this episode, Shawn and Stephen Kates discuss:
The importance of risk management in retirement planningBalancing growth and stability in retirement incomeThe growing role of annuitiesFinancial literacyâs role in retirement successKey Takeaways:
Managing risk in financial planning is crucial, as retirees who are overly exposed to high-growth investments may face significant emotional and financial stress during market downturns, requiring careful reassessment of their portfolios.Essential expenses in retirement should be safeguarded by guaranteed income sources such as annuities or Social Security to reduce the reliance on volatile markets, allowing retirees more confidence in maintaining their financial security.Those who are approaching retirement should focus on adjusting their strategies by balancing growth with protection, ensuring that their retirement portfolios offer both flexibility and stability during uncertain economic times.Financial literacy is an indispensable tool for making informed financial decisions, as people must be able to identify reliable information and avoid the pitfalls of misleading advice or scams in an era of overwhelming digital content."Having some level of financial literacy... is going to allow younger people to not go down some road, get scammed, you know, do something silly." â Stephen Kates
Connect with Stephen Kates:
Website: www.Annuity.org & www.StephenKates.com
LinkedIn: www.linkedin.com/in/stephen-kates-cfp
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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About Shane Whybrew: Shane Whybrew is the Vice President of the Financial Wisdom Network at the Ron Blue Institute. With over 30 years of experience in development, fundraising, and pastoral roles, Shane has dedicated his career to helping others understand biblical financial wisdom and grow in their stewardship and generosity. His journey included pioneering financial principles at Grace Church in Noblesville, Indiana, and building a strong relationship with the Ron Blue Institute. Shane enjoys the sales process and takes pride in helping others impact their communities and the world through effective stewardship.
In this episode, Shawn and Shane Whybrew discuss:
Biblical principles in financial decision-makingThe role of the church in financial stewardshipEducational outreach by the Ron Blue InstituteThe 4H framework for financial wisdomKey Takeaways:
The Ron Blue Institute collaborates with eight large churches in the U.S. to pilot a financial discipleship program integrating biblical principles into church ministry, going beyond traditional stewardship sermons and financial classes.The 4H framework (Heart, Health, Habits, Hope) serves as a practical tool for individuals to make financial decisions that are aligned with their faith, using scriptural references to provide guidance and reinforce a biblically-informed approach to money management.Ron Blue advocates for five core principles of biblical financial managementâspend less than you earn, avoid debt, build financial margin, set long-term goals, and give generouslyâthat are universally applicable across all income levels and provide a solid foundation for achieving financial stability.Emphasizing the belief that all possessions are ultimately owned by God and that individuals are merely stewards of these resources, the Ron Blue Institute encourages a shift in financial behavior towards managing money wisely and aligning financial practices with Christian faith."All financial behavior follows a belief system... So what the 4H tool is represented to do is to take the way that we can talk about how you and I make financial decisions and align it with our faith." â Shane Whybrew
Connect with Shane Whybrew:
Website: www.ronblueinstitute.com
LinkedIn: https://www.linkedin.com/in/shanewhybrew/
The Four Hs of Financial Wisdom: https://ronblueinstitute.com/fourhtool/
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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About Kevin Heath: Kevin Heath has been a significant player in the health insurance and Medicare industry for 20 years. He is the founder of MTD Benefits Inc., a company dedicated to educating and guiding clients through the complexities of health insurance and Medicare, without charging fees for their services. With extensive experience working for large carriers like Humana and Aflac, Kevin brings a wealth of knowledge and a client-first approach, prioritizing the best interests of his clients over commissions. In addition to his broker license, he is also a licensed Health Insurance Counselor, reflecting his commitment to providing expert, unbiased advice.
In this episode, Shawn and Kevin Heath discuss:
Securing financial and healthcare needsThe complexities of health insurance and Medicare optionsThe differences between standard Medicare plans and Medicare Advantage plansCovering additional expenses not covered by standard MedicareKey Takeaways:
Medicare has four main parts: Part A covers inpatient hospital care, Part B covers outpatient services, Part C (Medicare Advantage) is a privatized plan offering additional benefits, and Part D provides prescription drug coverage.Medicare Supplement plans (Medigap) help cover deductibles, coinsurance, and other out-of-pocket costs not fully covered by standard Medicare plans.Unlike traditional Medicare, Medicare Advantage plans often include additional benefits such as dental, vision, and hearing coverage, which can be valuable for retirees looking for more comprehensive coverage.Selecting the right Medicare or health insurance plan requires careful consideration of individual circumstances and potential future healthcare costs to avoid exhausting retirement savings."We're going to educate. We're going to make sure we're educating with the correct information, not the incorrect information." â Kevin Heath
Connect with Kevin Heath:
Website: www.mtdbenefits.com
Email: [email protected]
LinkedIn: https://www.linkedin.com/in/mtdbenefits/
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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About Tom Hegna: Tom Hegna, CLU, ChFC, CASL, is a renowned author, speaker, and economist widely recognized as the Retirement Income Expert. A former Senior Executive Officer at New York Life and retired Lieutenant Colonel, Tom has delivered over 5,000 seminars, sharing his expertise on optimal retirement strategies with Baby Boomers and seniors. His best-selling books, including Paychecks and Playchecks and Don't Worry, Retire Happy!, distill his extensive knowledge into accessible, actionable advice.
In this episode, Shawn and Tom Hegna discuss:
Planning for financial security in retirementUsing analytical methods for retirement strategiesManaging risks related to retirementThe importance of tax considerations in retirement planningKey Takeaways:
Retirement income planning is crucial for a stable and sufficient income, requiring a strategy focused on guaranteed income, inflation protection, long-term care, and life insurance to guard against unexpected financial risks.Using math and science in retirement planning helps navigate market fluctuations and economic uncertainties by identifying optimal strategies for a secure retirement, rather than chasing unpredictable outcomes.To mitigate the impact of rising taxes and national debt, shifting assets into tax-advantaged vehicles like Roth IRAs and cash value life insurance is essential for reducing tax burdens and maximizing future net income.Effective retirement risk management involves not just having enough funds, but ensuring they last through a mix of guaranteed income products, smart investments, and understanding tax implications to maintain financial security."You gotta follow the formulas that are proven. Why deviate from something that's proven? I'm just doing exactly what I'm telling other people to do. That's what I'm doing. And look, I'm living a great retirement. I'm loving it." â Tom Hegna
Be among the first 10 to request a copy of "Don't Worry, Retire Happy" through our website or by emailing Shawn at [email protected], and you'll also receive a special bonus copy of "The Priority of Retirement!"
Connect with Tom Hegna:
Website: https://tomhegna.com/
LinkedIn: https://www.linkedin.com/in/tomhegna/
Don't Worry, Retire Happy!: https://www.amazon.com/Worry-Retire-Retirement-Security-2014-05-03/dp/B01FKTJKOW
Paychecks and Playchecks: https://www.amazon.com/Paychecks-Playchecks-Retirement-Solutions-Life/dp/098421738X
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.
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In this episode, Shawn breaks down the complexities of retirement planning into a clear, actionable framework designed to empower you. You'll discover how to overcome common fears, such as running out of money or needing to work past retirement age, by understanding Shawn's "Retire Happy Framework." This episode serves as your guide to securing a fulfilling and stress-free retirement, no matter where you are in your planning journey. Tune in to take control of your financial future with confidence.
In this episode, Shawn discusses:
The need for comprehensive retirement planningThe changing nature of retirement benefitsManaging risks in retirementPlanning for healthcare in retirementKey Takeaways:
Merely having retirement accounts like a 401(k) or IRA is not enough; it is crucial to develop a comprehensive plan that includes a well-thought-out drawdown strategy to ensure you don't outlive your savings and maintain financial stability throughout retirement.As the availability of company-sponsored pensions decreases, individuals must take greater responsibility for their retirement by starting to save early, carefully managing investments, and planning for a retirement that could span several decades.Successfully navigating retirement requires a proactive approach to managing six key risksâmarket risk, taxation risk, inflation risk, withdrawal risk, sequence of returns risk, and longevity riskâeach of which can significantly impact the sustainability of your retirement income.Factoring in the potential costs of healthcare and long-term care is essential when planning for retirement, as these expenses can be substantial, unpredictable, and have a major impact on your financial resources over time."Remember, the only one who can help your older self is your younger self. Right? So let's plan today." â Shawn Maloney
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
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About Leonard Raskin: Leonard Raskin is the founder and CEO of Raskin Global, a financial advisory firm dedicated to helping clients build, spend, and use their wealth wisely. With over 34 years of experience in the financial industry, Leonard holds a master's degree in financial services and prestigious credentials including CFP, AEP, and CLU. His approach combines education, state-of-the-art technology, and a steadfast philosophy to simplify complex financial matters and guide clients towards financial balance and success. Leonard is also a noted media contributor and a passionate supporter of charitable causes, actively working with several foundations.
In this episode, Shawn and Leonard Raskin discuss:
Risk management in financial planningImportance of retirement strategiesRole of debt in wealth creationValue of objective financial adviceKey Takeaways:
Many individuals overestimate their risk tolerance because they haven't experienced significant financial losses, leading them to prefer a guaranteed high probability of a substantial result over a risky chance at a perfect outcome.Effective retirement planning involves not only accumulating wealth but also strategically utilizing financial products like annuities and reverse mortgages to ensure a stable income throughout retirementâ.Proper debt management and understanding the difference between good and bad debt are crucial for leveraging financial opportunities and creating wealth, as exemplified by companies and successful individuals.A holistic approach to financial planning, which includes assembling a team of advisors who can provide comprehensive and objective advice, significantly enhances the likelihood of achieving a secure and enjoyable retirementâ."Start early, save well, protect it all, invest well, and you have all you want forever." â Leonard Raskin
Connect with Leonard Raskin:
Website: www.RaskinGlobal.com
LinkedIn: https://www.linkedin.com/in/leonardraskin/
Facebook: www.Facebook.com/RaskinGlobal
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
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About Rob Brown: Rob Brown is the founder of Truest Fan Coaching and the author of "Truest Fan: Live, Love, and Lead with Purpose and Impact." His journey from a top financial advisor to an industry executive mentoring hundreds of advisors showcases his exceptional leadership skills. Now, as a coach to some of the industry's top advisors, Rob shares his wealth of knowledge and experience to help others succeed. He also hosts the Purpose-Focused Advisor podcast, providing valuable insights and practical strategies.
In this episode, Shawn and Rob Brown discuss:
Financial advisory challengesImportance of intentional leadershipStrategies for effective client serviceThe impact of kindness and intentional actionsKey Takeaways:
Financial advisors face significant challenges with time management and client selection, which can impede their ability to provide optimal service.Being an effective leader, whether in business or life, requires authenticity and purposefulness, allowing advisors to better serve their clients and fulfill their personal and professional goals.Delivering effective client service requires not only the right skills but also ensuring a good fit between the advisor and the client, as this alignment can greatly enhance the success of the advisory relationship.Practicing small acts of kindness and intentionality, such as smiling and acknowledging others, can have a profound positive effect on both personal well-being and professional interactions, fostering a more supportive and uplifting environment."Smiles and kind words go a long way." â Rob Brown
Connect with Rob Brown:
Website: https://truestfan.com/
Email: [email protected]
Book: Truest Fan: Live, Love, and Lead with Purpose and Impact: https://www.amazon.com/Truest-Fan-Live-Purpose-Impact/dp/1736129805
Show: The Purpose Focused Advisor: https://podcasts.apple.com/us/podcast/the-purpose-focused-advisor/id1605593748
LinkedIn: https://www.linkedin.com/in/truestfan/
Facebook: https://www.facebook.com/truestfan/
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
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About Adam Zuckerman: Adam Zuckerman is the Founder of Buried in Work, a company dedicated to simplifying estate planning and transitions for individuals and businesses. With a background as an attorney, MBA, and Eisenhower Fellow, Adam's expertise spans finance, media, consumer packaged goods, and clean energy. He is a recognized thought leader on the impact of future-facing technologies and has significantly contributed to innovation ecosystems through his ventures and advisory roles. Adam has held notable positions, including at Discovery Inc., and continues to drive progress at the intersection of enterprise growth and technological advancement.
In this episode, Shawn and Adam Zuckerman discuss:
Importance of comprehensive estate planningRole of beneficiaries and legal documentsAdvanced directives and healthcare proxiesOrganization and digital legacyKey Takeaways:
Comprehensive estate planning requires more than just having a will or trust; it involves organizing all finances, legal documents, and considering all aspects of end-of-life transitions to ensure a smooth process for beneficiaries and heirs.It is crucial to update beneficiary forms regularly to ensure they reflect current wishes, as these forms are legally binding and take precedence over the will, potentially impacting the distribution of assets significantly.Advanced directives and healthcare proxies are essential components of estate planning, as they provide clear guidance on medical decisions and designate trusted individuals to act on one's behalf in case of incapacitation, ensuring that personal healthcare preferences are respected.Proper organization of both digital and physical assets, including passwords, identification information, and financial records, is necessary to streamline the estate transition process for loved ones, preventing confusion and ensuring that all assets are accounted for and properly managed."If you don't get started and you don't know about these terms, you're not going to have them in time for when you actually need them." â Adam Zuckerman
Connect with Adam Zuckerman:
Buried in Work Website: https://www.buriedinwork.com
Personal Website: https://www.adamzuckerman.com/
LinkedIn: https://www.linkedin.com/in/adamzuckerman/
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
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About Eric Dyson: Eric Dyson is a United States Naval Academy graduate and former nuclear trained submarine officer with a decade of service. With over 30 years in the financial services industry, he specializes as an ERISA advisor, currently serving as the Executive Director of RFP 401k Advisor. Eric offers consulting expertise in conducting ERISA Advisor RFPs, expert witness services, ERISA fiduciary training, and conducting fiduciary best practices audits. He is also a sought-after keynote speaker on fiduciary best practices, having addressed audiences hosted by leading investment providers nationwide.
In this episode, Ryan and Eric Dyson discuss:
The importance and various aspects of planning for retirementERISA and its significanceStrategies to mitigate risks associated with retirement plansThe role and importance of financial advisors in managing retirement plansKey Takeaways:
It's essential for clients to understand that having a 401k or similar retirement account does not constitute a comprehensive retirement plan, and they need to ensure their employer-sponsored plan integrates effectively with their overall financial strategyââ.Fiduciary training for plan committees is often inadequate, typically squeezed into annual or quarterly meetings, and there's a significant need for more comprehensive and frequent training to ensure fiduciaries are properly equipped to act in the best interests of employeesâ.Employers should be aware of their fiduciary duties under ERISA, including the duty of loyalty, prudence, adherence to plan documents, and diversification to avoid large losses, and they should seek expert advice if they lack the necessary expertiseââ.Budgeting is fundamental to financial planning, and having a written budget is crucial for effective debt management and retirement planning, ensuring individuals have a clear understanding of their monthly needs and financial goalsââ."Budgeting is the foundation to making this all work." â Eric Dyson
Connect with Eric Dyson:
Website: https://90northllc.com
Email: [email protected]
LinkedIn: https://www.linkedin.com/in/401kguy/
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
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Welcome to "The Priority of Retirement," hosted by seasoned certified retirement planner and fiduciary, Shawn Maloney. In each episode, Shawn shares age-old wisdom combined with modern, proven methods to help you navigate the complex world of retirement planning.
Drawing from the principles that have stood the test of time, Shawn's insights are designed to be easy to understand and apply. Whether you're looking to reduce retirement risks, plan for the critical drawdown phase, or identify your unique "Retirement Why," this podcast provides you with the knowledge you need.
In "The Priority of Retirement," you'll discover how to navigate the three phases of retirement, implement the "Retire Happy Frameworkâą," and approach retirement income planning effectively. Shawn also explores why generosity is key to retirement happiness and how to ensure you create a rewarding and fulfilling life by planning properly now.
Join Shawn Maloney as he helps you blend timeless wisdom with modern strategies to secure a prosperous and joyful retirement. Don't miss an episode of "The Priority of Retirement," your guide to a well-planned and meaningful future.
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
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In this final chapter, you'll gain valuable insights from Shawn regarding vital strategies for successful retirement planning, the profound impacts of generosity, and the importance of leaving a lasting legacy. Discover how to navigate the complexities of retirement with confidence and ensure not just financial security but also a fulfilling and meaningful retirement journey. Sit back, relax, and join us as we uncover the secrets to a prosperous future with Shawn, your guide to financial wisdom.
Shawn answers:
How does the act of generosity, as described in the text, not only benefit the recipient but also positively impact the mental, emotional, and social well-being of the giver and society as a whole?In what ways can incorporating generosity into financial planning, such as strategic philanthropy and estate planning, contribute to creating a lasting legacy and positive impact on communities and future generations?How does Ron Blue use the story of Joshua and Caleb to illustrate the transformative power of generosity in changing one's perspective on financial challenges?In what ways does the story of Peter, Emily, and their daughters underscore the importance of giving from the heart rather than out of obligation, as advocated by Ron Blue?"We help everybody out, but no matter what stage you're in. If you're young, do it now. If you don't have a plan in place, let's go get one." â Shawn Maloney
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
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In this chapter, you'll gain valuable insights from Shawn regarding the fundamentals of retirement planning, delving into the Income Hierarchy Pyramid, strategic retirement budgeting, debt management tips, the bucket strategy for savings, and personalized financial planning. So sit back, relax, and join us as we uncover the secrets to a happy and prosperous retirement with Shawn, your guide to financial wisdom.
Shawn answers:
How does the income hierarchy pyramid offer a structured approach to retirement budgeting, and what role does it play in ensuring retirees can cover their essential needs while also enjoying a comfortable lifestyle?Why is it crucial for retirees to carefully assess and manage debt before retirement, and how does eliminating debt contribute to financial security and overall happiness during retirement?How does the bucket strategy provide retirees with a structured approach to managing their retirement savings, and what advantages does it offer in terms of risk management, inflation protection, and flexibility?What steps should retirees take to implement and optimize the bucket plan, and how can working with a financial planner help ensure that retirement assets are allocated appropriately according to individual financial situations and retirement goals?"We're going to be transparent and honest. It doesn't do us any good to sugarcoat something for you." â Shawn Maloney
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
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In this chapter, you'll gain valuable insights from Shawn regarding practical tips on maximizing retirement savings, the importance of optimizing Social Security benefits, and strategies for effective financial planning across different phases of retirement. So sit back, relax, and join us as we uncover the secrets to a happy and prosperous retirement with Shawn, your guide to financial wisdom.
Shawn answers:
How can retirees effectively allocate their funds across the needs, wants, and wishes categories to ensure financial security and fulfillment during the Go-Go Years of retirement?What strategies can retirees employ to balance funding their basic needs with fulfilling their wants and wishes during the initial phase of retirement, known as the Go-Go Years?Why is the decision of when to begin taking Social Security benefits critical for retirees, and how does proper Social Security optimization contribute to a more secure retirement?How does the concept of downsizing during the Slow-Go Years not only simplify retirees' lives but also potentially free up significant financial resources for their retirement?"Every situation is personal, just like every retirement plan is different." â Shawn Maloney
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
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In this chapter, you'll gain valuable insights from Shawn on the intricacies of retirement planning. From the three distinct phases to tips for managing inflation and market risks, Shawn shares his expertise to help ensure your financial stability and peace of mind. Sit back, relax, and join us as we uncover the secrets to a happy and prosperous retirement with Shawn, your guide to financial wisdom.
Shawn answers:
How do different phases of retirement, such as the Go-Go Years, Slow-Go Years, and No-Go Years, affect the relevance and management of risks like inflation and market fluctuations?In mitigating market risk during retirement planning, what role do strategies like diversification, asset allocation, and investment in annuities play in ensuring financial stability and income certainty?How can modifying withdrawal rates during market downturns mitigate the risk of depleting retirement savings too quickly?What are some strategies retirees can employ to address taxation risk, particularly concerning changes in tax laws, required minimum distributions, and the taxation of Social Security benefits?"Because people heavily rely on social security, even though it typically only accounts for about 40 percent of people's income in retirement, they get surprised by that." â Shawn Maloney
Get a free copy of Shawnâs book âThe Priority of Retirementâ here- https://www.retirewisepro.com/the-priority-of-retirement
Contact Shawn:
Website- https://www.retirewisepro.com/
YouTube- https://www.youtube.com/channel/UCiIMGdosN-snkV5gFt7FRSg
LinkedIn- https://www.linkedin.com/in/shawn-maloney-retire-wise
Instagram- https://www.instagram.com/retirewise_llc/
Facebook- https://www.facebook.com/ShawnMaloney.RetirementPlanning/
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