Your Money Your Retirement Podcast
Linda Gardner
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Hear Linda Gardner discuss important retirement topics.
Available episodes
Newest first
Oldest first
4 days ago
Social Security Trivia
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May 22, 2023
Tax Planning Strategies
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May 17, 2023
Primary Care Giver
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May 10, 2023
Robo Advisors
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May 4, 2023
The Great Resignation
* Are you really ready for an early retirement?
* Have you considered things like Social Security, health insurance, and outstanding debt with an early retirement?
* Do you know for certain what your retirement income will be and how much you’ll spend in retirement?
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Apr 27, 2023
The Gift of Financial Freedom
* Saving a little every day can go a long way.
* Practical ways you can give your kids and grandkids the gift of financial freedom.
* Establishing good financial habits today can help build a solid financial future.
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Apr 20, 2023
Tax Planning
* Understanding the taxation of certain investments.
* What Target Date Funds are, and the unexpected tax consequences that can come with them.
* The importance of Asset Allocation, Tax Planning, and Income Planning in retirement.
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Apr 13, 2023
Roth IRA, Roth 401(k), or Both?
* What are the pros and cons of a Roth IRA?
* What are the pros and cons of a Roth 401(k)?
* Can you utilize both accounts in your retirement savings?
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Apr 6, 2023
Approaching Your Retirement Plan
* How long will you retirement last?
* How much fuel will you need?
* Do you have a well-thought retirement investment plan?
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Mar 30, 2023
Do I Really Need An Advisor?
* The value of a comprehensive written retirement plan.
* What is fiduciary responsibility and why is it important?
* What does a written retirement plan actually look like?
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Mar 23, 2023
4 Steps of a Retirement Plan
* Will your money last as long as you do?
* Understanding market risk and how it could affect your retirement.
* Are you ready for 20-30 years of planned unemployment when the paycheck stops?
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Mar 16, 2023
When Your Spouse Retires Before You
* Expectations of the working spouse vs. the reality of the retired spouse.
* Do you and your spouse agree on when to retire?
* Can you afford it if one spouse retires early?
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Mar 9, 2023
The Pitfalls of Not Having a Retirement Plan
• What’s the difference between the accumulation vs. retirement phase?
• How will inflation erosion affect your retirement?
• Why is tax planning so important?
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Mar 2, 2023
Questions About Your Pension
* Are you eligible and vested?
* Does your pension offer survivor benefits?
* Can your employer meet its long-term commitments?
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Feb 23, 2023
Failing to Plan is Planning to Fail
* Are your retirement savings in pre-tax accounts?
* Taxes will go up, does your retirement plan include higher taxes?
* Do you know what the tax impact will be on your beneficiaries?
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Feb 16, 2023
Common Estate Planning Mistakes to Avoid
* Consequences of not having an estate plan
* Think beyond a single beneficiary and include contingent beneficiaries for life’s “what-ifs”
* Choosing the right people to handle your different affairs
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Feb 8, 2023
Saver’s Dilemma!
* How to achieve growth while balancing protection of your nest egg
* How bank accounts play their role in a retirement plan
* The benefits of using the “bucket approach”
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Feb 1, 2023
Can I Retire?
* The impact inflation can have on your retirement.
* What happens to healthcare in retirement?
* Unexpected additional expenses.
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Jan 24, 2023
Cracking the Nest Egg
* Dollar-Cost Averaging reverses in retirement
* Mistakes in retirement can be fatal
* Understanding the taxation of your retirement accounts
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Dec 14, 2022
7 Threats to Your Retirement
* The impact taxes can have in retirement
* The danger of having no retirement income plan
* The unexpected things you might not think about for retirement
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Dec 7, 2022
6 Secrets To a Happy Retirement
* Be grateful and embrace your new life!
* What dreams have you delayed?
* Don't be afraid to step out of your comfort zone.
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Nov 30, 2022
“I studied retirement for 44 years… Then I retired”
* The transition to being retired and having extra time
* Things you might not have been prepared for, such as trying to stay in a routine
* Retirement is a chance to reinvent yourself
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Nov 23, 2022
Answers for Senior Care with Lily Hotaling
* Helps provide resources for families when care is needed.
* Free services include referrals and options to help seniors thrive no matter where they live.
* Assistance finding assistance with:
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* In-Home Care
* Independent Living
* Senior Communities
* Assisted Living
* Personal Care & Boarding Homes
* Skilled Nursing Facilities
* Memory Care
* Palliative Care/Hospice
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Nov 16, 2022
How Ready Are You For Planned Unemployment?
* Retirement can be 20, 30, or 40+ years of planned unemployment, so the choices you make are critical!
* Do you know how much income you’ll need to support your retirement years?
* Planning for retirement risks, such as rollercoaster markets, inflation, and the loss of a loved one.
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Nov 9, 2022
Answers for Senior Care with Phil Hotaling
* Helps provide resources for families when care is needed.
* Free services include referrals and options to help seniors thrive no matter where they live.
* Assistance finding assistance with:
*
* In-Home Care
* Independent Living
* Senior Communities
* Assisted Living
* Personal Care & Boarding Homes
* Skilled Nursing Facilities
* Memory Care
* Palliative Care/Hospice
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Nov 2, 2022
Does the 80% rule REALLY work for your retirement income strategy?
* How much income will you actually need in retirement?
* Do you want a "one-size-fits-all" retirement?
* The myth of lower taxes in retirement
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Oct 26, 2022
Retirement Mistakes
* Burning through your savings
* Retiring to early
* Investing too aggressively
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Oct 19, 2022
Recipe For Retirement
* Traditional ingredients or include some new flavors?
* Use growth-focused or conservative-minded investments?
* Concentrate on long-term or short-term gains?
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Oct 12, 2022
Inflation and Retirement
* Do You Already Hold Assets That Beat Inflation?
* Will You Spend More Or Less Than You Think in Retirement?
* Will Social Security Be An Inflation Hedge?
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Oct 5, 2022
Healthcare in Retirement
* What does Medicare cover?
* What are Med Supps, and what do they cover?
* When will Social Security help with medical expenses?
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Sep 28, 2022
When Your Paycheck Stops
* How much income will you need?
* What are your income sources?
* How long do you think you may live?
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Sep 21, 2022
Countdown to Retirement
* What’s your 10-year plan?
* 5-year plan?
* 3-month plan?
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Sep 14, 2022
Retirement Roadmap
* Choose your goals
* Work out your strategies
* Choose your financial vehicles
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Sep 7, 2022
Secure Your Financial House
* What are the key pieces to your financial house?
* Will your income last your lifetime?
* Is your financial house secure?
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Aug 31, 2022
Retirement Savings
* The earlier you start, the better!
* Debt reduction prior to retirement may be critical.
* Encourage your adult children to save sooner than later.
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Aug 24, 2022
Active vs. Passive Investing
* What’s the difference between passive and active investing?
* Is one better than the other for retirement?
* 3 Questions to help decide which style is best for you
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Aug 17, 2022
Is Your Advisor Asking the Right Questions?
* Why looking at a tax return is critical to long-term planning
* Why life expectancy can make a difference in investment mentality
* How sequence of returns risk can impact your retirement drastically
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Aug 3, 2022
Consolidating Accounts
* Take inventory of all your accounts!
* Does an IRA rollover make sense?
* Is working with 2 different advisors really in your best interest?
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Jul 27, 2022
Is Your Spouse Your Beneficiary?
* The importance of keeping your beneficiaries up to date
* Special IRA beneficiary choices for the surviving spouse
* How RMD’s are calculated on an IRA for the surviving spouse
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Jul 20, 2022
Retirement Checklist
* Will your income support your lifestyle?
* Do you have a retirement tax plan?
* What are my options for health care?
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Jul 13, 2022
Bridge To Retirement
* Why life insurance is still relevant for retirees
* How you can get tax-free retirement income from life insurance
* How life insurance can work right alongside your other retirement savings
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Jul 6, 2022
Retirement Fears
* Will your money last as long as you do?
* How do I invest in retirement?
* Will Social Security run out?
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Jun 29, 2022
Annuity Review
* What are the different kinds of annuities out there, and are they right for you?
* Understanding more of the benefits and features that your annuity may have, and if they are still necessary today.
* How an annuity could enhance your retirement plan
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Jun 22, 2022
Gray Divorce
* What happens to healthcare?
* How will my tax rates change?
* Will Social Security benefits be different?
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Jun 15, 2022
Avoid Money Mistakes
* Underestimating costs in retirement
* Why you should diversify your portfolio
* The effects of not having an emergency fund
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Jun 8, 2022
Self Employed & Retirement
* Benefits of using retirement accounts when you’re self-employed
* Different retirement account choices, including a Solo 401(k), SEP IRA, and SIMPLE IRA
* The role specially designed life insurance can play in your retirement savings
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Jun 3, 2022
Building Your Blue Heron Retirement Blueprint™
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Jun 1, 2022
Becoming The Primary Caregiver
* Caregiving through the eyes of former NFL coach Tom Coughlin
* The physical and emotional toll caregiving can bring
* How you can support someone who is in an active caregiving role
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May 25, 2022
Life Insurance in Your Retirement Plan
* Why do people buy life insurance, especially in retirement?
* Do I have enough life insurance?
* How exactly does life insurance help me in my retirement?
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May 11, 2022
4 Investment Pillars
* What are the 4 investment pillars?
* Do I have to choose one pillar over the other for my investments?
* How can I turn my retirement savings into income for life?
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May 4, 2022
Retirement Taxation
* How are your different accounts taxed?
* Is your Social Security benefit fully taxable?
* How can you set yourself up for tax-free income in retirement?
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Apr 27, 2022
Retirement Misconceptions
* Should your savings be exclusively be in IRAs & 401(k)s?
* Is retirement really the end of the road?
* Should bonds be the only investment for retirement income
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Apr 20, 2022
Estate Planning
* What exactly makes up a complete estate plan?
* What can happen if you don't have any estate documents.
* Is there a right age or time to start putting together an estate plan?
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Apr 13, 2022
Mt. Retirement Podcast
* When should I retire?
* How much will it, or could it, cost to live during my retirement?
* Where should I place my assets?
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Apr 6, 2022
Retirement Planning
* What is retirement planning?
* How early should you start planning for retirement?
* What should you look for in finding the right retirement planner?
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Mar 30, 2022
Turn Savings Into Income
* What is the tool and is it right for your retirement plan?
* How is the money invested?
* What happens to the balance when you pass away?
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Mar 23, 2022
Retire Worry-Free
* How can I comfortably retire without that regular paycheck?
* What will you do with your time?
* How will taxes impact my retirement?
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Mar 16, 2022
Saving for Retirement
* "I've got Social Security. I'll be fine"
* "But, I need that money now!"
* "I've got plenty of time to plan and save later"
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Mar 9, 2022
Beneficiary Rules
* 10 year rule
* Stretch IRA
* Keeping beneficiary forms up to date
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Feb 16, 2022
New BHC Team Member - Mike Whitmore
* Mike's journey into financial planning
* Mike’s hopes and aspirations
* What Mike brings to the Blue Heron Capital client family
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Feb 2, 2022
401k Rollovers
* Should you roll your money over?
* What happens when you have both pre-tax and after-tax money?
* What if you have employer stock inside your 401k?
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Jan 12, 2022
The Tax Time Bomb
* What steps can you can take to minimize the tax bill for your heirs?
* What happens when RMD's kick in?
* What will your expenses be in retirement?
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Dec 14, 2021
Emergency Fund . . . REALLY?
* How important is it?
* Where should I put this money?
* What about the loss of growth?
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Dec 7, 2021
Are You Prepared For Stock Market Volatility?
* Diversity can help during the downturns
* 3 reminders about the true nature of investing
* Timing the market does NOT work
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Nov 5, 2021
The Gift Of Education
* What exactly is a 529 plan?
* Savings plans
* Prepaid plans
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Oct 29, 2021
The Importance of Long Term Care
* Quick facts
* Long Term Care is more than a nursing home.
* There are lots of options when it comes to funding LTC.
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Oct 22, 2021
Birthday Milestones In Retirement
* Turning 55 & 59 1\2
* Turning 60, 62, 65 and 66 to 67
* Turning 70 & 72
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Oct 15, 2021
The Loss Of A Spouse
* The importance of having a plan in place.
* Do you both know how to take care of the bills, know passwords and usernames for financial accounts?
* Do you know how much income will be available when one spouse passed?
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Oct 8, 2021
Estate Planning-Get It In Writing
* Everyone can benefit from having an estate plan, regardless of your age.
* Direct how your property will be distributed.
* Why it's important to have a written estate plan.
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Oct 1, 2021
The Tool Or The Strategy
* Investment products are not strategies
* A Misconception about using a single tool
* What are the tools you can use today?
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Sep 17, 2021
RMDs and QCDs
* Have you heard of QCD’s?
* Save on taxes if you give to charities
* Excluded from taxable income
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Aug 26, 2021
Bag Lady Syndrome
* Will you outlive your money?
* Widows/Widowers ‘penalty’
* Life insurance
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Aug 20, 2021
What Will You Do In Retirement
* 4 phases of retirement
* How you can invent, imagine and plan for each phase
* How retirement planning goes way beyond finances!
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Aug 13, 2021
Planning For Your Financial Independence
* Where will your retirement income come from?
* Will your money last as long as you do?
* How much can you spend in retirement?
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Aug 5, 2021
What To Do With Your 401k
* Pros and cons of cashing out
* Pros and cons of rolling it over to a new employer plan
* Pros and cons of rolling it over to an IRA
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Jul 29, 2021
Roller Coaster Markets
* How much influence does the President have over the market?
* Taxes – Past rates, compared to rates today
* How do you plan for future volatility?
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Jul 23, 2021
Are Roth conversions still a good idea?
* The “why” behind a Roth conversions
* The rules and limits to Roth accounts
* Why tax-free is always better than tax-deferred
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Jul 14, 2021
Hope Is Not A Plan!
* Retirement planning yesterday and retirement planning today
* Timing your retirement
* Making sure you have the overlooked pieces of retirement covered
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Jul 8, 2021
Pension Payout or Lump Sum?
* How life expectancy and loved ones impact this decision
* Understanding your entire retirement income scenario
* How taxes play their role
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Jul 1, 2021
Finding The Right Advisor
* Hiring an advisor who is not a fiduciary
* Choosing an advisor with the wrong specialty
* And much more!
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Jun 23, 2021
Retire Worry-Free
* Preparing for the weekly paycheck to go away
* Important retirement concerns
* Protecting and maximizing your retirement savings
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Jun 17, 2021
Healthcare & Retirement
* The basics of Medicare
* Importance of healthcare planning
* Non-traditional healthcare choices
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Jun 10, 2021
Scammers are Relentless
* Identify common scams
* Understanding the importance of your personal information
* Steps you can take to avoid these scams
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Jun 4, 2021
Fuel Your Retirement
* Your savings as the unrefined fuel for retirement
* Retirement planning in today’s world
* The importance of a customized retirement plan
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May 27, 2021
Tax-Free Doesn’t Mean Rule-Free
* Tax-Deferred to Tax-Free
* The 5-Year Clock
* Roth Conversions
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May 20, 2021
CPA Ed Slott
* Future taxes in the aftermath of the 2020 pandemic
* Multiple stimulus packages
* The new administration
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May 13, 2021
The Tax Free Bucket
The Tax Free Bucket
“Nothing is certain except deathand taxes!” according
to Ben Franklin and he’s so right!
Taxes could become an even greater threat to your retirement future! Find out how using the right tax bucket could set you free in your retirement!
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May 7, 2021
Medicare Eligibility
Medicare Eligibility
Medicare eligibility is not necessarily based on income -
but your Medicare premiums sure are!
Find out what you need to know for your overall retirement planning!
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Apr 29, 2021
Can You Afford To Retire Early
Can You Afford To Retire Early?
Many Americans were offered the opportunity to retire early last year, and others may also receive that offer!
How do you make the decision? Can you afford it? This is such a big concern for many and in this podcast we discuss these important questions and more!
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Apr 22, 2021
Prepare For The Next Crisis
The lessons of 2020 were many and one that became rapidly apparent to numerous people was how we should be hande our money going forward. There are a few easy changes you can make to prepare yourself for better financial security when the next crisis comes along – ‘cause you know it will!
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Apr 16, 2021
Sequence Of Returns
When gains and losses occur in your portfolio during your retirement years they can make the difference between financial success and failure!
Listen to find out how it can affect your retirement and what you can do!
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Apr 7, 2021
Social Security and Medicare
Social Security and Medicare have been a hot topic as of late. How will the new administration change the social security picture... and funding?
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Apr 1, 2021
When To Take Social Security
When it comes to Social Security, there’s one big question you need to address: When should you take your Social Security benefits? The answer might not be as easy as you thought!
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Mar 25, 2021
Are You Worried About Retiring
Are You Worried About Retiring?
You’re not alone!
Let’s face it: thinking about retirement can be daunting. Find out about four of the Biggest Retirement Fears and how to face them.
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Mar 19, 2021
Higher Taxes Are On The Way
Higher Taxes Are On The Way Lots of uncertainty today, but most can agree on the fact that taxes will increase.
The questions remain… how much and
when taxes will begin to rise?
Learn how to shelter your hard-earned retirement savings from unnecessary taxes!
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Mar 11, 2021
Tax Analysis
Taxes Could be Your Biggest Expense in Retirement
We’ve talked about the possibility that taxes may increase.
It may happen sooner than later! Are you concerned about what higher taxes could do to your retirement? You'll want to listen to this podcast!
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Mar 4, 2021
How is Your Retirement Funded
Retirement has traditionally been funded with a 3-legged stool:
Employer Pension, Employee Savings, and Social Security.
However, with pensions becoming less available and changes to how Americans are saving, is retirement looking more like a
5-legged office chair?
Don't miss the valuable information in this podcast!
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Feb 24, 2021
Reposition Your Income from Forever Taxed to Never Taxed
We’ve talked about the likelihood that taxes will increase for a long time. With the rapid increase of government spending, the national debt won’t pay for itself! However, taxes are essentially on sale right now, so how can you take advantage of these low rates while we still have them?
In this short podcast, Ed Greene and I talk about these questions and concerns, as well as some of the ways you can move your assets from forever taxed to never taxed!
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Feb 17, 2021
CPA John Sardoni - Tax Season
It feels like tax season never ended, but it's here again!
Are you up to date on the changes for this year? Do you have questions about how the events of last year could affect your taxes this year?
In this short podcast, Ed Greene and I welcome CPA John Sardoni to the show to talk about the changes for this year and how you can best be prepared for April 15th. Whether you do your own taxes or you have someone do them for you, you do not want to miss this great discussion!
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Feb 12, 2021
Tom Hegna Interview Don't Worry, Retire Happy
In this podcast Ed Greene and I interview Tom Hegna.
In 12 minutes, Tom shares some key things to consider
as you plan for retirement. Tom is an economist,author
of five books including Paychecks and Playchecks,and
public television host of Don’t Worry, Retire Happy!
seen in 80 million homes.
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