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By 2030, all baby boomers will be over the age of 65 and will make up about 20% of the U.S. population. That means for the first time in our nation’s history, there will be more people over the age of 65 than under age 18. That poses enormous economic challenges for the country and individuals. Unfortunately, many Americans lack the resources for a comfortable retirement or skipped crucial planning steps along the way. Now, many new and soon-to-be retirees face dual threats of high inflation and market volatility. Grant Kvalheim, president of Athene talks about how financial professionals can help their clients grow their retirement savings and create guaranteed income in these challenging times.
Please note: This content is intended for financial professionals.
Guest Bio: Grant Kvalheim serves as Athene’s President and CEO of Athene USA Corporation. He is responsible for our overall strategic direction. He leads our U.S. operating companies with a focus on growing our retail annuity, flow reinsurance, and funding agreements businesses.
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The Covid pandemic turned the world of work upside down with millions of people losing their jobs and countless other working from home. Now, more than two years later, the new world of work continues to evolve and some retirees, concerned about rising inflation and volatile markets, are returning to work. Workplace futurist Kerry Hannon talks about emerging workplace trends and ways financial professionals can help their clients navigate these uncertain times. From working remotely to building new skills through lifelong learning to launching a business, Hannon discussed how financial professionals can help older clients take control of their future, their finances and their retirement.
Please note: This content is intended for financial professionals.
Guest Bio: Kerry Hannon is a workplace futurist and strategist on career transitions, entrepreneurship, personal finance and retirement. She is a frequent TV, radio and podcast commentator and is a sought-after keynote speaker. Kerry is currently a senior columnist for Yahoo Finance and an on-air expert. She was formerly an expert columnist, opinion writer and regular contributor to The New York Times, MarketWatch, Forbes, and a personal finance and entrepreneurship expert on the PBS website NextAvenue.org.
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Millions of American retirees and near retirees are particularly vulnerable as withdrawing funds from a shrinking nest egg during their early retirement years can threaten portfolio longevity. Annuities can deliver the stable income that retirees crave, but how exactly do they it? Laurence Black, founder of the Index Standard, helps us look under the hood of some of the latest annuity offering to explain how the strategic use of various financial indices can create reliable streams of retirement income.
Please note: This content is intended for financial professionals.
Guest Bio:
Laurence Black is the founder of The Index Standard® and an index advisor to Robert J. Shiller, Sterling Professor of Economics at Yale University. Before founding The Index Standard®, Laurence was a Managing Director and Head of Quantitative Indices and Strategies at Barclays where he oversaw the development of the Barclays index family. In addition to designing some of the first smart beta/factor indices, Laurence spearheaded Barclays' index partnerships with Professors Robert Shiller and Nouriel Roubini, as well as Novus Partners.
Before Barclays, Laurence was Head of Indices at ABN AMRO in London, where he successfully launched indices with well-known investors such as Jim Rogers and Joel Greenblatt. Before ABN AMRO, Laurence worked at Lehman Brothers, Deutsche Bank, and Credit Suisse.
Laurence holds an MBA from the University of Warwick and a Bachelor's degree from the University of Cape Town. When not thinking about financial matters, he can mostly be found on a tennis court.
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Millions of baby boomers are retired or preparing to retire. But after a decade of strong market performance, near zero interest rates and low inflation, today’s retirees face new challenges: the highest inflation in 40 years coupled with volatile markets against a backdrop of longer lifespans. Guest Mike Downing, chief operating officer of Athene, shares his insights of how older Americans can stretch their savings and stabilize their income over a retirement that could last 30 years or more.
Please note: This content is intended for financial professionals.
Guest Bio: Michael S. Downing serves as Athene’s Chief Operating Officer and Chief Actuary. He is responsible for overseeing global actuarial valuation, modeling, pricing, product development, and product go-to-market.
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Despite progress made in recent decades, women continue to be at greater risk of not achieving a financially secure retirement than men, in large part due to the gender pay gap and time out of the workforce for parenting and caregiving. Covid has made that situation worse. Tired of juggling work responsibilities and family caregiving duties during the pandemic, many women simply gave up and joined the Great Resignation. With Mary Beth to discuss how Covid has affected the outlook for women’s retirement security is Catherine Collinson, CEO and president of the Transamerica Institute and its Transamerica Center for Retirement Studies.
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Today, women control a third of total U.S. household financial assets. That’s more than $10 trillion. But over the next decade, large sums of money are expected to change hands, driven mainly by demographics as women inherit assets from parents and spouses, through divorce settlements, and by investing their own hard-earned savings. These changes represent a critical inflection point for the financial services industry. When affluent women take over financial decision-making for a household, they typically seek out new wealth management relationships to suit their needs. With Mary Beth to discuss how to work with women investors, particularly when the female is the primary decision-maker in a couple, is Allison Schmidt of Higgins & Schmidt Wealth Strategies in Denver.
Guest bio: Allison Schmidt is a CERTIFIED FINANCIAL PLANNER™ professional and CPA* at Higgins & Schmidt Wealth Strategies. She co-founded Higgins & Schmidt with Steven Higgins in 2010. Allie works with a select group of individuals and families to create and develop tax-efficient financial strategies. Allie enjoys working closely with clients to assess their full financial picture to make sure each and every piece is working together. This elevated level of client communication is the cornerstone of the Higgins & Schmidt process, and Allie takes pride in the recognition that Higgins & Schmidt Wealth Strategies has received for this client-first based approach.
Prior to co-founding Higgins & Schmidt Wealth Strategies, Allie began building her practice in 2008 as a financial advisor literally one step at a time, knocking on doors with Edward Jones Investments. Prior to that, she paid her dues as a financial statement auditor with Deloitte & Touche, LLP. Allie is originally from Kankakee, IL and graduated from Butler University in Indianapolis where she was a member of the Butler Bulldogs women’s basketball team. March Madness is a very big deal around the Schmidt house. Allie and her wife, Stacy, live in the Highlands neighborhood in Northwest Denver with their two daughters, Wesley & Charley, and Wheaten Terrier, Bailey. When not in the office, Allie is usually outside with her family and friends, if not playing hide-and-seek, enjoying the many activities that the beautiful Colorado landscape has to offer usually capped off with an ice cold craft beer.
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Women often find themselves alone in old age, whether due to widowhood, divorce or never having married. As women control an increasing share of financial assets and real estate, it is crucial that they pay attention to how those assets are titled to ensure continued control in the event of divorce or remarriage. Splitting retirement assets can be very complicated. With Mary Beth to discuss how women can “cover their assets” is Pui Kalyanamitra, regional vice president, Transamerica.
Download the Checklist: Helping You With Divorce Decisions One Step at a Time
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Women represent the next wave of growth in U.S. wealth management. By 2030, American women are expected to control $30 trillion in financial assets. As they earn more, inherit money from their parents and spouses, receive divorce settlements and pursue other investments, they will need to tailor their financial strategies. Ryan Bertrand, VP and Managing Director, Advanced Markets for Transamerica, joins Mary Beth on this episode to discuss how the financial services industry can adapt and better serve female investors.
This season is brought to you by Transamerica.
Guest Bio:
Ryan Bertrand, VP and Managing Director, Advanced Markets for Transamerica, has decades of experience in estate planning, financial planning, taxes, retirement planning and charitable giving. He is at the forefront of helping his team of professionals transform their client service models in ways that will help acquire, retain, and serve women as long-term investors.
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The average retirement in the U.S. has tripled since 1935, from 7 years to around 22 years. Retirees have ample time and opportunity to launch a new chapter of their life, but extra care must be taken to plan their finances. Maddy Dychtwald, co-founder of AgeWave, joins Mary Beth on this episode to discuss what Maddy calls the Longevity Bonus.
Related Article: Despite pandemic, defined-contribution plan participants kept saving in 2021
This season is brought to you by Realized
Realized strives to put you in control of managing your investment property wealth. Our goal is to help bridge the gap between investment property ownership and sophisticated wealth management, helping you meet your income needs in retirement and pursue your investment goals across generations.
Using the principles of Investment Property Wealth Management(R), Realized transforms your individual investment properties into diversified real estate portfolios, customized to your unique income needs, risk appetite, and investment goals.
For more information, visit www.Realized1031.com/RepairShop to learn more.
Guest Bio:
Recently recognized by Forbes as one of the top fifty female futurists globally, Maddy Dychtwald has been deeply involved in exploring all aspects of the age wave and how it’s transforming the marketplace, the workplace, our world, and our lives for more than 30 years. Along the way, she has become an internationally acclaimed author, public speaker, Wall Street Journal blogger, and thought leader on longevity, aging, the new retirement and the ascent of women.
A successful entrepreneur, Maddy co-founded Age Wave, the world’s leader in understanding and addressing the far-reaching impacts of our aging population. The Age Wave team has worked with more than half of the Fortune 500 in industries ranging from health care and medical technology to financial services and consumer marketing.
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In this episode, you'll hear about:
Retirement income style awareness.Creating retirement income that takes taxes into account.Factoring Social Security into those decisions.Is the 4% rule still valid today?RMDs as the basis for income?Social Security claiming decisions, annuities and reverse mortgages.Related Article: High school classes ineffective in boosting retirement savings: Study
This season is brought to you by Realized
Realized strives to put you in control of managing your investment property wealth. Our goal is to help bridge the gap between investment property ownership and sophisticated wealth management, helping you meet your income needs in retirement and pursue your investment goals across generations.
Using the principles of Investment Property Wealth Management(R), Realized transforms your individual investment properties into diversified real estate portfolios, customized to your unique income needs, risk appetite, and investment goals.
For more information, visit www.Realized1031.com/RepairShop to learn more.
Guest Bio:
Wade D. Pfau, Ph.D., CFA, RICP®, is the program director of the Retirement Income Certified Professional® designation and a Professor of Retirement Income at The American College of Financial Services in King of Prussia, PA, as well as a co-director of the college’s Center for Retirement Income. As well, he is a Principal and Director for McLean Asset Management and RISA, LLC. He holds a doctorate in economics from Princeton University and has published more than sixty peer-reviewed research articles in a wide variety of academic and practitioner journals. He hosts the Retirement Researcher website, and is a contributor to Forbes, Advisor Perspectives, Journal of Financial Planning, and an Expert Panelist for the Wall Street Journal. Wade’s newest book is Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success. He is also the author of the books Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement, How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies, and Reverse Mortgages: How to Use Reverse Mortgages to Secure Your Retirement.
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In this episode, you'll hear about:
Will Social Security be solvent in the future?How can advisers create plans for clients with such uncertainty?Covisum’s new tool to help advisers.Tax implications.Roth conversions and Social Security strategies.Social Security reform.Widows.Educating clients.Related Article: Social Security faces a customer service backlog
Covisum
This season is brought to you by Realized
Realized strives to put you in control of managing your investment property wealth. Our goal is to help bridge the gap between investment property ownership and sophisticated wealth management, helping you meet your income needs in retirement and pursue your investment goals across generations.
Using the principles of Investment Property Wealth Management(R), Realized transforms your individual investment properties into diversified real estate portfolios, customized to your unique income needs, risk appetite, and investment goals.
For more information, visit www.Realized1031.com/RepairShop to learn more.
Guest Bio:
Joe Elsasser developed Social Security Timing® in 2010 because, as a practicing financial advisor, he couldn’t find a Social Security tool that would help his clients make the best decision about when to elect their benefits. Inspired by the success of Social Security Timing, Joe founded Covisum®, a financial tech company focused on creating a shared vision throughout the financial planning process.
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In this episode, you'll hear about:
Why there's a need to factor in health care costs for retirement income.Medicare details, costs and deadlines.Traditional Medicare vs. Medicare Advantage plans.HSAs and Medicare.How Medicare surcharges are calculated.About the WealthWatch video library.Related Article: Medicare do-over season
Related Article: Medicare premiums, IRMAA surcharges to rise in 2022
This season is brought to you by Realized
Realized strives to put you in control of managing your investment property wealth. Our goal is to help bridge the gap between investment property ownership and sophisticated wealth management, helping you meet your income needs in retirement and pursue your investment goals across generations.
Using the principles of Investment Property Wealth Management(R), Realized transforms your individual investment properties into diversified real estate portfolios, customized to your unique income needs, risk appetite, and investment goals.
For more information, visit www.Realized1031.com/RepairShop to learn more.
Guest Bio: Peter Stahl has more than 30 years of experience in the financial services industry, where he has built a recognized track record of integrity and success. He has delivered training and resources to financial advisors and their clients across the United States and internationally.
Since 2012, Peter has focused his efforts on educating financial advisors and consumers on health care challenges during retirement, equipping them to find solutions. An author and sought-after speaker, Peter makes navigating through a complex and ever-changing health care landscape comprehensible to all.
Peter lives with his wife and five children in the Philadelphia suburbs.
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In this episode, you'll hear about:
Background of Financial Independence Group.Annuity misperceptions.How advisers can learn about incorporating annuities into portfolios.Tech advances in the insurance space.The effect on adviser fees of using annuities in client portfolios.Bonds versus annuitiesRelated Article: Fidelity rolls out product allowing 401(k) participants to buy annuities
This season is brought to you by Realized
Realized strives to put you in control of managing your investment property wealth. Our goal is to help bridge the gap between investment property ownership and sophisticated wealth management, helping you meet your income needs in retirement and pursue your investment goals across generations.
Using the principles of Investment Property Wealth Management(R), Realized transforms your individual investment properties into diversified real estate portfolios, customized to your unique income needs, risk appetite, and investment goals.
For more information, visit www.Realized1031.com/RepairShop to learn more.
Guest Bio:
Leslie Lipscomb joined Financial Independence Group in 2006 as a sales consultant in the annuity division. During her 10 years as a consultant, Leslie was recognized as one of the most successful insurance sales consultants in the country.
In 2017, Leslie was promoted to senior vice president and currently leads a private client group that supports independent financial professionals across the country. Leslie’s private client group focuses heavily on comprehensive and holistic planning using life insurance, annuity and long-term care products. In an ever-changing industry, Leslie plays a vital role in helping her agents build a business and marketing plan unique to each individual practice. Once a plan has been developed Leslie and her team take a hands-on approach to ensure the plan is fully implemented.
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In this episode, you'll hear about:
Data on aging.The story of Whealthcare Solutions.Misperceptions about "diminished capacity."The surprising peak age for financial decision-making.How does it affect advisers, and what can advisers do about it?Warning signs.Senior Safe Act.Learn about Whealthcare
Related Article: Widow’s dilemma: When to claim Social Security
This season is brought to you by Realized
Realized strives to put you in control of managing your investment property wealth. Our goal is to help bridge the gap between investment property ownership and sophisticated wealth management, helping you meet your income needs in retirement and pursue your investment goals across generations.
Using the principles of Investment Property Wealth Management(R), Realized transforms your individual investment properties into diversified real estate portfolios, customized to your unique income needs, risk appetite, and investment goals.
For more information, visit www.Realized1031.com/RepairShop to learn more.
Guest Bio:
Chris Heye is the CEO and founder of both Whealthcare Solutions Inc. and Whealthcare Planning LLC. He is a proven entrepreneur with extensive experience starting and growing technology companies. After confronting dementia in his own family and witnessing elder financial abuse in friends, he decided not enough was being done to protect older adults. He helped design a clinical study at the Massachusetts General Hospital which investigated the behavioral and cognitive underpinnings of sound financial decision-making. Dr Heye is a regular columnist for the Journal of Financial Planning where he writes about technology, longevity and financial wellness. He is a frequent speaker at industry conferences and webcasts and is a member of the Financial Planning Association's (FPA) FinTech Advisory Group. He received his BA from Wesleyan University and Ph.D. from the Massachusetts Institute of Technology.
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In this episode, you'll hear about:
Suzanne’s paper on women and financial wellness.Values and life purpose.The challenge of the language of finance for women – what can advisers do?Women set goals – money is the tool to realize those goals.Technology and communication.Health care costs – differences for women and men.What can we learn from the Rolling Stones?This season is brought to you by Realized
Realized strives to put you in control of managing your investment property wealth. Our goal is to help bridge the gap between investment property ownership and sophisticated wealth management, helping you meet your income needs in retirement and pursue your investment goals across generations.
Using the principles of Investment Property Wealth Management(R), Realized transforms your individual investment properties into diversified real estate portfolios, customized to your unique income needs, risk appetite, and investment goals.
For more information, visit www.Realized1031.com/RepairShop to learn more.
Suzanne Norman is a senior education advisor, executive coach, and mentor who consults on a variety of financial, investment, and planning topics. She has over 29 years of investment industry experience and has worked for both national and international investment firms. Suzanne has held roles in management, consulting, and advisory, with a strong emphasis on helping people plan and save for retirement. Suzanne lives by the motto - Scientia potentia est - particularly when it comes to money. She is passionate about helping women develop strong financial skills and enjoys writing about topics that matter to them.
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In this episode you'll hear about:
How her beloved grandmother’s experience with domestic abuse inspired Stacy to establish a nonprofit organization to provide free financial education and advice helplines for women in difficult situations.Why she later launched Francis Financial, which works primarily with widows and divorced women, as a way to serve a vulnerable population and to fund her passion project, Savvy Ladies.How financial advisers can work with women in transition and build a team of professionals, from tax accountants to divorce attorneys, therapists and real estate agents, who can help their clients build a new life on their own.This season is brought to you by Realized
Realized strives to put you in control of managing your investment property wealth. Our goal is to help bridge the gap between investment property ownership and sophisticated wealth management, helping you meet your income needs in retirement and pursue your investment goals across generations.
Using the principles of Investment Property Wealth Management(R), Realized transforms your individual investment properties into diversified real estate portfolios, customized to your unique income needs, risk appetite, and investment goals.
For more information, visit www.Realized1031.com/RepairShop to learn more.
Guest Bios:
Stacy Francis, president and CEO of Francis Financial and founder of Savvy Ladies
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