As we approach the end of the year, saving money on taxes becomes a bigger focus for many people. But let’s broaden the scope out for this particular episode and focus on some of the most common retirement planning questions about taxes. We’ll talk about mistakes to avoid and how a proper plan can make a significant difference in someone’s tax savings. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  0:45 - Main Topic: Most Common Retirement Planning Questions About Taxes 1:51 - Am I Going To Have Deductions In Retirement? 4:09 - Being In A Lower Tax Bracket In Retirement 5:26 - Are All Of My Retirement Accounts Taxed The Same? 7:15 - Bad Tax Mistake 9:20 - Tax Free Retirement 11:11 - Moving To A No Tax Income State 13:24 - Tax Planning Strategy Story 15:31 - Mailbag: Wendy Asks About The Roth Option For Her 401(k) 17:01 - Upcoming Online Workshops

Too many folks misunderstand bonds, how they work, and what role they play in a proper financial plan. We’ll address some of those bond related issues on today’s show. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  0:41 - Main Topic: How Bonds Work 1:39 - Basics Of Bonds 2:22 - Individual Bond Vs Bond Fund 6:57- Target Date Funds 7:42 - Should You Move To Bonds For Safety? 9:06 - Mailbag: Kevin Asks About Company Stock 11:41 - Upcoming Online Workshops

It’s been said that “the sales brochure giveth and the fine print taketh away.” On this episode, we’ll talk about some of the things we hear from people when they don’t pay enough attention to the fine print. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  0:38 - Main Topic: Fine Print 4:03 - Increase On Long Term Care Insurance 5:42 - High Fees On Annuity 7:03 - Mutual Fund Performance 8:40 - Life Insurance Increase 10:23 - REITs 13:57 - Mailbag: Elizabeth Asks What To Do With Her Inheritance Money

There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. On this episode, we’ll explain why these decisions are so important and can’t be undone. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  0:35 - Main Topic: Irreversible Financial Decisions 1:29 - Social Security 4:30 - Spousal Benefits For A Pension 6:01 - Getting Life Insurance 8:59 - Choosing A Retirement Date 10:57 - Mailbag: Grace Asks About Keeping Finances Separate In A Marriage 14:06 - Upcoming Webinar

There are many things that we know we’ll have to deal with in retirement, we just don’t know how to predict when or to what degree. How do you construct a plan that deals with the unpredictability of these different factors? Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  0:50 - Webinar 2:21 - Main Topic: Planning For Retirement’s Uncertainties 2:47 - Be Flexible 4:14 - Longevity 5:32 - Interest Rates Going Up 7:18 - Future Tax Rates 10:52 - How Do We Plan For These Items? 12:26 - Social Security 15:37 - Stock Market Returns 17:30 - Inflation 22:27 - Mailbag: Jim Asks About Where He Can Save Money For Retirement

Being a good advisor isn’t about winning a popularity contest or just saying the same things that everyone else in the industry says. It’s about giving the best advice that you can for each individual situation. On today’s show, we’re going to peel back the curtain to discuss some areas where a good financial advisor’s opinions might go against the grain with mainstream ideas in the industry. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  0:43 - Webinar 2:08 - Main Topic: Against The Grain 4:11 - Appropriate Amount Of Risk 6:00 - Appropriate Use Of Life Insurance 8:09 - How To Handle Debt 9:27 - Paying Off The House 11:11 - Annuities 12:25 - Mutual Funds 14:13 - How Much Cash Should You Have? 16:17 - Mailbag: Carrie Asks If It’s Okay To Use Commissions For Her Retirement Savings

Finding yourself between jobs can be frustrating—whether you were fired, laid off, or just had to step away of your own choosing. But it can also present some opportunities. Let’s discuss some of the challenges and opportunities that you need to consider if you’re between jobs. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  0:33 - Main Topic: Financial Planning Considerations When You’re In Between Jobs 3:00 - Career Change 4:07 - Self Employment 6:37 - Health Insurance 9:00 - Rolling Over Your 401(k) 10:34 - Severance Package 14:04 - Taxes 16:48 - Mailbag: Rita Asks If She Needs A Financial Advisor

Going through a divorce at any age is difficult, but doing it near or in retirement adds all sorts of additional complications. On this episode, we’ll talk about some of the financial mistakes we see people make in the midst of a divorce. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:41 - Being a certified divorce planner 2:37 - Choosing the house as a safety blanket 5:37 - The tax implications of retirement funds 7:28 - Qualified domestic relations order  11:11 - Going to a single tax status  13:56 - Mailbag: Should I load up on stocks? 18:48 - Join us at future webinars!

In some ways, retirement planning was easier for past generations. Let’s explore how a good financial advisor helps people overcome the additional challenges of today. Our parents and grandparents may not have had to face these things, so just relying on the experiences of family members might not be enough to help us achieve our own financial success. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:07 - Main Topic: Retirement Planning Ain’t What It Used To Be 2:00 - Pensions 5:30 - Living Longer 8:54 - Interest Rates 11:49 - Too Much Information 14:45 - Mailbag: Marty Asks When He Should Get Back Into The Market 18:49 - Upcoming Workshops

On this episode, we’ll try to pick sides of some important financial debates. From bonds to life insurance, credit card debt to starting Social Security, we’ll propose several different topics to see which sides of the debates you and your advisor should probably fall on. Contact: Phone Number: 480-513-1830 Website: https://pelletoncapital.com/ Show Notes:  1:09 - Main Topic: Important Financial Decisions 1:46 - Paying Off The House 6:01 - Life Insurance 8:19 - Deferring Taxes 11:11 - Credit Cards 13:18 - Start Social Security As Soon As Possible 15:56 - Mailbag: Buddy Asks How To Fill Medicare Time Gap 17:49 - Upcoming Workshops