America's Retirement Headquarters
Nolan Baker
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Nolan Baker and Scott Kerschner know that retirement investing is inherently different from pre-retirement investing- it's all about preserving your life's work and collecting income. Join them as they discuss strategies to make your retirement dreams into retirement reality.
Available episodes
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Oldest first
May 22, 2023
How AI Can Help Investors
Artificial Intelligence has been in the spotlight lately, often with an ominous undertone. But there are certainly practical uses: autocorrect, GPS, and even financial investing... to an extent. Nolan, Chaz and Scott discuss when using AI for your retirement is an isn't a good idea on this episode.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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May 15, 2023
What Should I Own Before a Market Crash?
It's the Boy Scout motto: "Be Prepared." And with market volatility continuing and the threat of a recession constantly looming, Nolan and Chaz discuss how you can be prepared for a serious market downturn.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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May 8, 2023
What is the Importance of a Diverse Portfolio?
Nolan and Chaz discuss what it actually means to have a diversified portfolio (vs what so many people think it means) and why it's so important to have one on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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May 1, 2023
Better Options to Help Nervous Investors
Are you part of the 60+% of investors that say they're nervous about nervous or even afraid of the stock market? Chaz Price and Scott Kerschner discuss alternatives to subjecting yourself to the whims of Wall Street on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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Apr 24, 2023
How To Avoid Buyer's Remorse
Specifically when it comes to annuities. Obviously, knowing what you're getting into beforehand is the best way, but what if it's too late? Nolan, Chaz and Scott explore the options on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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Apr 17, 2023
How to Attack a Decreasing Market
With market volatility projected to continue throughout the year, what should an investor do, especially as they near retirement? Nolan, Scott and Chaz offer their insights on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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Apr 10, 2023
What Are the Five Big Retirement Risks?
Nolan, Scott and Chaz discuss the five major risks that could jeopardize your retirement plan and more on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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Apr 3, 2023
Who Should I Trust When It Comes To My Retirement?
People are 50% more likely to listen to the advice of friends and family versus professionals in the industry. Scott and Chaz discuss the pros and cons (and even more cons) of this line of thought on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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Mar 27, 2023
Is My Money Safe?
The recent failure of some regional banks has had many people asking that same question. Not just about the money they have saved in their banks, but as a whole. Chaz Price, Scott Kerschner and Troy Kerschner discuss this and more on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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Mar 20, 2023
Retirement Tax Strategies in 2023
When it comes to tax planning, the main question is: will your taxes be higher in the future? Nolan, Chaz and Scott discuss how to tackle this question, and your taxes in general, on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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Mar 6, 2023
Long-Term Planning vs Short-Term Wins
When it comes to retirement, is this an "either/or" situation or a "yes/and" one? Nolan, Chaz and Scott discuss this and more on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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Feb 27, 2023
What's the Best Way To Invest My Retirement Savings?
As the stock market volatility continues, those that are approaching or are already in retirement may be wondering if there's a better way than just "hoping for the best." Nolan and Chaz discuss the options on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://arhq.com/
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Feb 20, 2023
How to Keep Your Retirement From Falling Asleep
Naps are great... unless it's the performance of your retirement accounts that's dozing off. Chaz and Scott discuss ways to give your retirement a wake-up call on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Feb 13, 2023
How To Have a Tax-Savvy Retirement
As W-2s and 1099s are coming in, many Americans are now focused on how much they owe in taxes for 2022. But how focused are you on the taxes you'll be paying for the next 20-30 years? Nolan and Scott discuss the need for a tax strategy in retirement on this episode.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Feb 6, 2023
How To Take Advantage of Higher Interest Rates
Even in the current economic climate, the are opportunities for growth to be had. Nolan and Scott discuss how rising interest rates can actually work in your favor and more on this episode.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Jan 30, 2023
Hybrid Investments
What are they, how do they work, and do they work? Nolan, Scott and Chaz weigh in on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Jan 23, 2023
What's Important In a Retirement Plan
Here's a hint: it needs more than just "claim Social Security" in it. Nolan, Scott, and Chaz talk about the process the team at America's Retirement Headquarters uses with new and existing clients.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Jan 16, 2023
What To Know About Secure Act 2.0
At the very end of 2022, Congress finally passed Secure Act 2.0, which is meant to help Americans save more for their retirement. Nolan, Scott and Chaz break down what you need to know about these new rules on the latest episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Jan 9, 2023
Could 2023 Be a Good Year to Retire?
With talks of a recession looming and the pain of 2022 likely to continue into this year, many people that had marked 2023 as their retirement year are second guessing that thought. Nolan Baker discusses what people should keep in mind, and how keeping your retirement plans on schedule is still possible on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Dec 19, 2022
How to Prepare For a Forced Retirement
Obviously, it's not something anyone ever wants to happen to them, but there are definitely situations where people are forced to retire earlier than expected. Scott and Chaz Price discuss how to prepare for the possibility on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Dec 12, 2022
What Does 2023 Hold For the Markets?
We've seen some life in the market lately. But will it last? Nolan and Scott discuss what to expect in the new year and beyond on this episode of America's Retirement Headquarters.
Learn more about the Independent Income System and schedule a time to speak with the team at https://americasretirementheadquarters.com/
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Dec 5, 2022
Is It Good To Retire In a Recession?
When one of the richest men in the world says it's time to prepare for a recession, it might be time to consider dialing back the risk. Nolan and Scott talk about how to prepare for the worst while still planning for the best.
Learn more about the Independent Income System and schedule a time to speak with the team at https://americasretirementheadquarters.com/
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Nov 28, 2022
How To Deal With Emotions When Investing
According to a new study, we make financial decisions based 90% off emotions and only 10% off logic. And that formula could add up to an uncomfortable retirement. Nolan and Scott discuss how to take the emotions out of the plan on this episode of America's Retirement Headquarters.
Schedule a time to speak with the team at https://americasretirementheadquarters.com/
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Nov 21, 2022
What Is the "Magic Number" to Retire?
Does such a thing even exist? Nolan and Scott discuss the factors you need to take into consideration on this episode of America's Retirement Headquarters.
Learn more about the Independent Income System and schedule a time to speak with the team at https://americasretirementheadquarters.com/
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Nov 14, 2022
Are I Bonds Still a Good Deal?
Back in October, there was such a rush to buy government issued I Bonds (which are tied to inflation) online that the website crashed. And that's because the rates changed going into November. But even at a reduced interest rate, are they still an attractive opportunity? Nolan and Scott discuss this and more on this episode of America's Retirement Headquarters.
Schedule a time to speak with the team at https://americasretirementheadquarters.com/
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Nov 7, 2022
What To Do Before the End of 2022
Don't go into hibernation mode just because the year beginning to wind down. Nolan discusses moves that you could and should be making before the end of December that could benefit you for years to come on this episode of America's Retirement Headquarters.
Learn more about the Independent Income System and schedule a time to speak with the team at https://americasretirementheadquarters.com/
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Oct 31, 2022
Where To Look For Bond Alternatives
With the bond market having the worst year on record, many investors are trying to explore other options to replace them. Nolan and Scott discuss some of the alternatives to consider on this episode.
Learn more about the Independent Income System and schedule a time to speak with the team at https://americasretirementheadquarters.com/
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Oct 24, 2022
How to Limit a Recession's Effect On Your Portfolio
Between inflation, rising interest rates and constant market volatility, a recession seems inevitable at this point. And while we can't control if or when it will happen, we can control how it will effect our retirement outlook. Nolan and Scott discuss the steps you should look at on this episode of America's Retirement Headquarters.
Learn more about the Independent Income System and schedule a time to speak with the team at https://americasretirementheadquarters.com/
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Oct 17, 2022
How To Stop Investing Emotionally
The short answer: you can't.
The long answer: with a proper plan, you can minimize the effects emotions can have on your retirement plan. Nolan, scott and the team from the Ann Arbor Office discuss on this week's episode.
Meet the entire team, and start taking the emotion out of your plan at https://americasretirementheadquarters.com/
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Oct 10, 2022
What Should You Do During a Market Crash?
If we're not already in a recession, a lot of people feel like we're staring one down. Nolan and Jeremy talk about the things that should be done before, and even during a market crash on this episode of America's Retirement Headquarters.
To speak with the team, visit https://americasretirementheadquarters.com/
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Oct 3, 2022
How to Rebalance Your Portfolio (And How Often)
According to a recent Morningstar report, rebalancing your portfolio may not necessarily improve returns, but it's an invaluable way to keep risk in check. Nolan and Scott discuss how to do this, and how often. Also, Brandon Hawkins from the Toledo Walleyes talks about the upcoming season and America's Retirement Headquarters' economic summit, and Hayley Studer from ACHI talks about how they're committed to the 419 by reducing healthcare costs for clients in the area.
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Sep 26, 2022
How to Keep Your Portfolio "In Balance"
A recent New York Times article talked about how a ten second balance test can predict a person's longevity. In the same vein, a balance test on your portfolio can help determine the overall health of your retirement. Nolan Baker and Scott Kerschner probably can't help with the former, but they discuss how they can help with the latter on this episode of America's Retirement Headquarters.
Find out more about the upcoming economic summit at https://americasretirementheadquarters.com/
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Sep 19, 2022
How to Plan Beyond Retirement
It's not a pleasant subject to think about, but it is something we'll all encounter. Scott Kerschner and Chaz Price discuss the importance of planning for life and planning for death on this episode of America's Retirement Headquarters.
To speak with the team and start your ultimate estate planning checklist, visit https://americasretirementheadquarters.com/
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Sep 12, 2022
How To Know When You Can Retire
One of the most popular searches online for personal finance is "when can I retire?" and the answer takes more than a few seconds on Google. Nolan and Scott discuss how they figure that out for clients on this episode of America's Retirement Headquarters.
To speak with the team to figure out when you can retire, visit https://americasretirementheadquarters.com/
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Aug 29, 2022
How to Figure Out a Safe Withdrawal Rate In Retirement
It's common for people to worry about their money lasting in retirement. Some retirees take it to the extreme where they never take the time to enjoy their retirement. Chaz Price and Jeremy Baker talk about how to figure out what you can safely spend with proper planning on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Aug 22, 2022
How to Factor In Inflation
For the first time in quite a while, the current inflation rate is down from 9.1% to 8.5%. But it might be too early to say that inflation has peaked. Nolan Baker, Scott Kerschner, and special guest Terry Eisert discuss how to factor inflation into your retirement plan, regardless of the rate, on the latest episode of America's Retirement Headquarters .
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Aug 15, 2022
How to Have a Tax-Savvy Retrirement
Did you know that in New York, there is a different tax for buying a sliced bagel vs an unsliced one? Or that it costs more to buy something in Utah if the seller isn't fully clothed? Or that your taxes may cost more once you're retired than they did in the working world? Nolan and Scott discuss the latter and more on this week's episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Aug 8, 2022
How To Determine What You Can Spend
There's some that say that the "4% Rule" never worked, but it's being especially scrutinized these days. Nolan Baker and Scott Kerschner discuss how to determine what you can safely spend annually in retirement, as well as how to reduce that spending during these high inflationary times.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Aug 1, 2022
How to "Git R Done"
On this episode of America's Retirement Headquarters, Scott Kerschner and Chaz Price talk about that first meeting with the team. Also, the importance of estate planning, courtesy of a 90 year old TikTok sensation.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Jul 25, 2022
How To Put Your Investments Under a Microscope
NASA recently released pictures from the James Webb telescope, with many details that are naked to the untrained eye. On this episode of America's Retirement Headquarters, Nolan Baker and Scott Kerschner talk about the details you may not be seeing in your retirement planning.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Jul 18, 2022
How to Prepare In the Retirement Red Zone
If you're on a road trip and you run into traffic, it's easier to navigate around if it happens at the start of your trip vs the end. In the same way, there are things that can happen as you're winding down your working career that can delay, or even jeopardize, your retirement. Nolan Baker, Chaz Price and Jeremy Baker discuss what those are and how to be proactive about them on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Jul 11, 2022
How to Handle the Awkward Tasks (Like Financial Planning)
Short answer: you don't. Certainly not alone, at least. Nolan Baker and Scott Kerschner talk about when and when you shouldn't DIY on the latest episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Jul 4, 2022
How To Invest in a Recession
Some experts say a recession is coming next year, and others say it will happen before the end of 2022. Regardless of when it happens, there are moves you can, and should, make now to minimize the effect it will have on you. Nolan Baker and Scott Kerschner talk about what you need to know on the latest episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Jun 27, 2022
How to Retire In a Crazy Economy
If retirement was in your plans in the next few years, do you find yourself rethinking that? Before you make any drastic changes, take a deep breath and try to look at everything objectively. Nolan Baker and Scott Kerschner talk about what you need to know on the latest episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Jun 20, 2022
How to Prepare For a Financial Hurricane
With inflation at a 40 year high, and volatility and interest rates creeping upwards, the stage seems to be set for a major correction (if not a recession). Are you prepared? Nolan Baker and Scott Kerschner talk about what you need to know on the latest episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Jun 13, 2022
How to Retire Early (and What to Consider)
With more and more people considering delaying retirement due to the current environment, it's difficult to imagine retiring early. But with both decisions (and retiring in general), it's important to sit down and make sure the math works. Nolan Baker and Scott Kerschner talk about what you need to know on the latest episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
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Jun 6, 2022
How To Save On Taxes During Down Markets
America's Retirement Headquarters often talks about finding opportunities during market downturns, and it's no exception when it comes to tax preparation. Jeremy Baker joins the show this episode to talk about those opportunities.
Also, Pat McCarty, the "Guy in the 419" discusses how easy it can be for kids to start learning about financial planning.
Schedule a time to have your Tax Map run at https://americasretirementheadquarters.com/
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May 30, 2022
How To Prepare For a Disaster
Whether it's a financial disaster or a physical one, there are things that can be done to minimize how it affects you. Step one: have a plan. Nolan and Scott discuss the financial things to consider, and Allison Armstrong, the Chief of Fire and Rescue for Toledo, discuss how to be physically prepared.
Start your financial plan today at https://americasretirementheadquarters.com/
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May 23, 2022
How To Get Involved With Cryptocurrency
Like with any investment, there are things you need to be cautious of when it comes to using cryptocurrency as an investment vehicle. On this episode, Nolan, his son Andrew, and Scott break down how to get involved, and what to be aware of. Also: how to plan for your child/grandchild's college education.
Learn more at https://americasretirementheadquarters.com/
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May 16, 2022
How To Take the Emotion Out Of Your Retirement Plan
It's been said time and time again in regards to the markets: stay the course. Which is a valid "plan" while you're in the working world, but what if you're approaching or in retirement? Nolan and Scott talk about how to not let emotions dictate your financial decisions. Also, Laura Simmons-Wark from Humane Ohio stops by to talk about how they're Committed to the 419, sepcifically our four (or sometimes three) legged friends.
Stop letting emotion dictate/jeopardize your retirement plans. Schedule a time to speak with America's Retirement Headquarters today.
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May 9, 2022
How To Use Gold In Retirement
Many have turned to gold as a hedge against rising inflation. On this episode, Scott and Chaz Price talk about how to potentially utilize gold and other precious metals in your retirement plan. Plus: advice from mom in honor of Mother's Day and a spotlight on Jennifer Madasz of Gladstone Medical in Sylvania.
Start developing your retirement plan, including an inflation strategy, at https://americasretirementheadquarters.com/
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Apr 25, 2022
How to Plan For The Unexpected
AKA those "oh crap" moments. It sounds contradictory, but Jeremy Baker and Scott talk about how to make sure those events don't compromise your whole retirement. Also: what to do with maturing CDs and Jason Madasz of BNI joins the show to talk about how they're Committed to the 419.
Learn more about the Independent Income System at https://americasretirementheadquarters.com/
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Apr 18, 2022
How To Use Current Real Estate Trends In Retirement
The real estate market is red hot once again and, as you get closer to retirement, you may be curious about how you can use these trends to your advantage. Nolan and Scott sit down with John Mangas of RE/MAX preferred to discuss. Also, Amanda from HOOVES returns to talk about upcoming events that will help area veterans.
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Apr 11, 2022
How to Prepare for Long Term Care
There are many ways to tackle the issue of long term care. On this episode, Jeremy Baker and Scott discuss the different options, and how the worst plan is to not plan for it. Also, Kristin Meyer from the Maumee Chamber joins and talks about how the Chamber is committed to the 419.
Schedule a time to discuss your LTC options, and any retirement concerns you may have, at https://americasretirementheadquarters.com/
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Apr 4, 2022
How to Make Sense of Social Security
With so many different ways to claim Social Security, and only one shot at claiming, it's imperative to figure out when will be best for you. This week, Scott and Chaz break down some of the most common strategies. Also, the inaugural edition of "Committed to the 419," with a spotlight on Nature's Nursery.
Learn more about the team today at https://americasretirementheadquarters.com/about/meet-our-team/
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Mar 28, 2022
How To Invest In a Market Crash
The phrase "Buy low, sell high" is commonly known, but not so commonly practiced. On this episode, Nolan and Chaz Price talk about how to shift your mindset to look at market downturns as opportunities rather than cause for concern.
Take the first step to shifting your financial mindset at https://americasretirementheadquarters.com/
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Mar 21, 2022
How To Keep Your Retirement Accounts Up To Date
With rising interest rates, continuing record high inflation and market volatility, it can be tricky to know what to modify or update and when. On this episode Nolan and Scott offer a little insight on how to stay up to date with your accounts, and also address some retirement superstitions.
Learn more about the Independent Income System at https://americasretirementheadquarters.com/
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Mar 14, 2022
How To Create a Written Income Plan
We all know the saving money towards retirement. But do you know how to turn that money into an income plan? On this episode, Nolan and Scott talk about things to keep in mind, including having multiple streams of income and how to give yourself future pay raises.
Learn more about the Independent Income System at https://americasretirementheadquarters.com/
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Mar 7, 2022
How to Do Medicare Correctly
Step one: don't assume that the Medicare plan you signed up for initially is going to be the best plan for you every year after that. Nolan and Scott discuss what may change, and what you should be doing before the Open Enrollement window closes at the end of March.
Questions? Reach out at https://www.americasmedicareassociates.com/
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Feb 28, 2022
How Short Term Decisions Can Destroy Long Term Success
Between high inflation, the probability of rising interest rates, and situations abroad, there are plenty of reasons why an investor might be feeling a little nervous right now, especially as they approach retirement. On this episode, Nolan and Scott discuss how making kneejerk decisions can cause bigger problems down the line, as well as how to give yourself some emotional detachment going forward.
Schedule your risk report today at https://americasretirementheadquarters.com/
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Feb 21, 2022
How to Prepare Your Portfolio for Rising Intertest Rates
In response to the highest level of inflation we've seen in 40 years, the Fed is expected to raise interest rates several times in 2022. How many times, and how will that affect retirement prospects going forward? Nolan and Scott break it down on this episode.
Schedule a time to stress test your portfolio today at https://americasretirementheadquarters.com/
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Feb 14, 2022
How to Pick a Financial Advisor or Health Insurance Agent
Not all professionals are created equal, and there are definitely things you should know/ask about before getting on board with a financial advisor or insurance agent. The guys break down those things on this episode.
Request your copy of the questions you should ask today at https://americasretirementheadquarters.com/
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Feb 7, 2022
How to Prepare For a Financial Blizzard
We hope you've been able to stay warm (and safe) this winter, thanks to proper storm preparation. This week, Nolan and Scott talk about things that can be done to prepare for the financial blizzard that could be coming in retirement.
Start creating your all-weather portfolio today at https://americasretirementheadquarters.com/
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Jan 31, 2022
How To (And When To) Rebalance Your Portfolio
We've all heard the term "rebalancing your portfolio," but... what is it? How do we do it, and how often? Nolan and Scott break it all down in this episode.
Set up a time to speak with the team at https://americasretirementheadquarters.com/
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Jan 24, 2022
How (and Why) to Do Estate Planning
It's not an easy discussion to have, but it's an extremely important one: what do your loved ones do after you're gone? This week, Scott and special guest Sam tell their stories, and highlight the need for estate planning.
Get your copy of the Ultimate Estate Planning Guide at https://americasretirementheadquarters.com/
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Jan 17, 2022
How To Make Contributions for Last Year (Still)
Even though the calendar has already switched over, there's still time to make contributions to your Roth IRA to reflect on your 2021 taxes. Chaz and Scott discuss how (and how much) on this episode.
Develop your tax strategy for all the years you'll spend in retirement at https://americasretirementheadquarters.com/
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Jan 10, 2022
How To Know the "Magic Number" For Your Retirement
While everyone's plan in retirement will vary, there's one thing that is universal: the desire to know that you'll be okay. And for a lot of people, that boils down to seeing a "magic number" in their accounts. This week, Nolan and Scott Osborn talk about how to figure out what that number is (surprise: it's different for everyone!).
Start the path to retirement confidence today at https://americasretirementheadquarters.com/
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Jan 3, 2022
How To Build the Ultimate Million Dollar Portfolio
Nolan and Chaz discuss the strategies the team at America's Retirement Headquarters utilize with their clients when it comes to building an maintaining portfolios.
Start your new year off on the right financial path by scheduling an appointment at https://americasretirementheadquarters.com/
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Dec 13, 2021
How To Account For Social Security Taxation
When the government began taxing Social Security in the 80s, it only affected about one out of every ten recipients. Today, the number is closer to one out of every two. Its one thing to know that taxes are probable, it's another to find ways to minimize/relieve those tax obligations all together. On this episode, Scott and Chaz Price talk about what you need to know and what you should do.
Go to https://americasretirementheadquarters.com/ today to schedule a time to start planning for your retirement.
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Dec 6, 2021
How to Avoid Costly Retirement Mistakes
With over 50 years of combined industry experience, the team at America's Retirement Headquarters has helped a wide variety of people get to and through retirement. This week, Nolan and Scott discuss the 10 biggest mistakes they've seen people make and discuss how they can be avoided.
Step 1: reach out to them to start your plan at https://americasretirementheadquarters.com/
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Nov 29, 2021
How To Make Year-End Moves
As we prepare to enter into the final month of 2021, there are several things that we can and should do to set us up for a better 2022 and beyond... especially when it comes to taxes. Nolan and Scott go over what you need to do to get ready.
A good first step? Schedule a time to speak with them at https://americasretirementheadquarters.com/
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Nov 22, 2021
How To Prepare For Medicare
There's still time (but not much) to make changes to your Medicare plan for 2022 during the Annual Election Period. Scott talks about what you need to do before the December 7th deadline, and also what you should be doing even if you're not even Medicare eligible yet.
Schedule a time to review your options today at https://www.americasmedicareassociates.com/
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Nov 15, 2021
How To Look At Risk In Retirement
Risk in retirement isn't just about market volatility, although that's certainly a factor. On this episode, Nolan discusses the other risks you could potentially face during your golden years, as well as ways to mitigate those risks.
Start the path towards your retirement dreams at https://americasretirementheadquarters.com/
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Nov 8, 2021
How To Create an End of Year Financial Checklist
The end of the year is often a busy time, especially as the holidays approach. But there are some things that can (and should) be done financially that can help set you for a successful 2022, 2023 and beyond.
Schedule your end of the year meeting with the team at https://americasretirementheadquarters.com/
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Nov 1, 2021
How To Ask Your Advisor the Tough Questions
When trusting someone with your life savings, it's important to ask a lot of questions, even if it seems taboo. On this episode, Scott and Chaz Price talk about some of the important questions, and answer them about themselves.
Schedule your complimentary Q&A session with the team today at https://americasretirementheadquarters.com/
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Oct 25, 2021
How to Navigate Medicare's Annual Enrollment Period
'Tis the season... to review your Medicare for the upcoming year. On this episode, Scott and Nolan take a deep dive into what to expect for 2022, how to decide if it's better to enroll or stay on your employer's health plan, and how to find out what Medicare does, and doesn't, cover.
Schedule a time to review your options today at https://www.americasmedicareassociates.com/
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Oct 18, 2021
How to Save And Pay Less In Taxes
It's fairly common sense: the less money you pay to the government, the more money you get to keep for yourself. But how do you maximize that amount (legally, of course)? Nolan and Scott break it down.
Schedule a time to figure out your year-end tax moves at https://americasretirementheadquarters.com/
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Oct 11, 2021
How To Know If You Can Retire Early
Between a significant spike in 401(k) values in the past decade and "The Great Resignation," among other things, more and more people are eyeing the idea of an early retirement. Nolan and Scott break down the things you should know and plan for before you make the leap.
Start mapping out your retirement, early or otherwise, today at https://americasretirementheadquarters.com/
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Oct 4, 2021
How To Put Together an End Of Year Financial Checklist
It's already October, and it's not too early (or too late) to start thinking about the end of year moves you can make to set yourself up for a more successful 2022, and beyond. Nolan and Scott tell you what you should be doing, and how to get started.
A good first step? Set up a time to speak with them at https://americasretirementheadquarters.com/
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Sep 27, 2021
How To Build an All Weather Portfolio
It's easy to say you've got a good investment plan when the market is been doing great (like it has been). But we all know that nothing lasts forever. What happens to your plan, or lack of one, then? On this episode, Nolan is joined by Robert Swan of Swan Global Investments to discuss how to create a plan that will weather not just the coming storm, and all the other ones you'll encounter during your retirement.
Start bringing some of your ships into dock at https://americasretirementheadquarters.com/
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Sep 20, 2021
How to Test Drive Retirement
In the grand scheme of things, buying a vehicle is not one of the biggest decisions you'll make in life. But we all do our research and, before we sign on the dotted line, we make sure we give that car a test drive. Why shouldn't you do the same when it comes to how you'll spend your retirement years? This week, Nolan talks about how to test drive your retirement before you clock out for the final time.
Start putting together your test drive today at https://americasretirementheadquarters.com/
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Sep 13, 2021
How to "Tune Up" Your Retirement
We all know the importance of regular maintenance on our vehicles, but did you know that there's a tweak to our 401ks that over 34 million people aren't doing? This week, the two Scotts talk about that tweak, and how to do it.
Schedule your financial tune up today at https://americasretirementheadquarters.com/
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Sep 6, 2021
How to Withdraw Retirement Savings Correctly
Believe it or not, there's an order in which you should start pulling your money from your income sources. On this episode, Noland and Scott discuss what that order should be, and why it actually matters.
Prepare for your "lifetime of Saturdays" at https://americasretirementheadquarters.com/
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Aug 23, 2021
How to Survive Bubble Bursts
The market is consistently seeing new highs, and many feel we're in the a market bubble. This week, Nolan and Scott discuss what happens when bubbles burst, and moves retirees/pre-retirees should make ahead of that happening.
Take the first step on your retirement journey at https://americasretirementheadquarters.com/
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Aug 16, 2021
How To Lower Your Taxes For Next Year
I know, we've still got a good portion of 2021 left on the calendar... But there are things you can (and should) do right now to minimize your taxes going into 2022, and 2023, and beyond. Nolan and Scott discuss what those things are, as well as how concerned you should be with inflation (a little) and long-term care (a lot more than a little).
Start planning for your future at https://americasretirementheadquarters.com/
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Aug 9, 2021
How to Avoid Retirement Stress
This week, Nolan and Scott discuss the importance of rebalancing your portfolio, how often to do it, and most importantly, how to do it.
Take the first steps towards your retirement at https://americasretirementheadquarters.com/
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Aug 2, 2021
How to Adjust Your Investing Style
Believe it or not (and we hope you do), your investment style should change in retirement vs your working years. This week, Nolan and Scott discuss what those changes should be and how to make them.
Also: Amanda Held of H.O.O.V.E.S. joins the show to talk about her organization's mission of using rescue horses to help veterans suffering from PTSD.
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Jul 26, 2021
How To Do Roth Conversions (And If You Should)
On this episode, Nolan and Scott tackle a listener question regarding her retirement accounts. Also: the importance of long-term care planning and the importance of being "tax-savvy" in retirement.
Start piecing together your retirement puzzle at https://americasretirementheadquarters.com/
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Jul 19, 2021
How To Use Life Insurance In Retirement
The main purpose of life insurance (benefits paid out to a beneficiary upon your passing) are pretty well known, but there's actually other ways to utilize it, and this week Chaz and Scott discuss those uses. Also: who's a better investor- men or women?
Learn more about the team, and schedule a time to speak with them at https://americasretirementheadquarters.com/
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Jul 12, 2021
How To "Un-retire" the Right Way
Should you find yourself re-entering the workforce after retirement, we hope it's something you want to do rather than are forced to do. But did you know there are financial pitfalls you could encounter by re-entering the workforce? Scott and Chaz break it down on this week's show.
Start your own Retirement Roadmap at https://americasretirementheadquarters.com/
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Jul 5, 2021
How To Plan For the Unknown (Taxation)
Every week it seems that there's a new tax bill being proposed in Washington, just to see what eventually sticks. So how do you plan for the new rules that are coming when we don't know what those rules will be? Chaz and Scott discuss strategies that can help you prepare for whatever taxes may get approved in the future.
Schedule a time to have your tax map run at https://americasretirementheadquarters.com/
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Jun 28, 2021
How To Be an Above Average Investor
An NYU study found that most people consider themselves to be "above average" drivers... but that's not how averages work. And it's safe to say many people have similar (possibly incorrect) feelings about their retirement plans. This week, Nolan and Scott talk about things to consider as you develop your retirement strategy to help you stay above the curve.
Find out more about the team, and schedule a time to speak with them, at https://americasretirementheadquarters.com/
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Jun 21, 2021
How to Make Early Withdrawals
Generating income in retirement is important, but even more so if you choose to retire early and can't rely on social security to help out. This week, Scott and Chaz talk about a special rule that allows you to take withdrawals from your retirement accounts early, and without penalty, and the stipulations that come with it. Also: how to know you've chosen the right advisor, and they talk about lessons learned from dad.
Learn more about the team at https://americasretirementheadquarters.com/
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Jun 14, 2021
How to Prepare For Retroactive Taxation
President Biden has recently admitted that he wants his big capital gains tax to be retroactive to this past April. This is, of course, still just a proposal and not the law of the land- but this week, Nolan and Scott discuss what should be done if it doesn't pass and, more importantly, what can be done if it does.
Put together your tax road map at https://americasretirementheadquarters.com/
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Jun 7, 2021
How to Address the Biggest Retirement Fear
You probably already know, and may even share the feeling, that the #1 fear among retirees is running out of money. But is it justified? Nolan and Scott discuss the truth behind this fear, and ways to hopefully help put your mind more at ease as you enter into the next chapter of your life.
Learn more about the Independent Income System at https://americasretirementheadquarters.com/
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May 31, 2021
How To Retire Early
Nolan and Scott discuss how to prepare for an early retirement, whether it's something you plan on doing, or something that's is decided for you. Topics include: buyout offers, a proper withdrawal strategy, and the importance of having an actual written plan.
Start putting your plan together by visiting https://americasretirementheadquarters.com/
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May 24, 2021
How To Invest With Rising Inflation
We all know that inflation is inevitable, and will decrease the buying power of our dollar over time. But we may be looking at a black swan event that could cause a significant inflation increase in the near future. This week, Nolan and Scott discuss what that could mean for retirement investments, and what can be done about it.
Start developing your plan today at https://americasretirementheadquarters.com/
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May 17, 2021
How to Pay For Government Programs
Okay, this week's title is a little tongue in cheek, but we recently found that all the programs the current administration is proposing will cost roughly $700 billion more than projected. And that money is almost certainly going to come from higher taxes. Nolan and Scott Osborn talk about the importance of tax planning now before those increases come on this week's episode.
Schedule a time for your tax map at https://americasretirementheadquarters.com/
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May 10, 2021
How to Make Sense of Fees
A recent survey found that the average fee in a workplace retirement plan is around one percent. Which doesn't sound like much, but over the course of a career it can add up to more that $138,000!
This week, Scott and Chaz Price take a deep dive into fees, and discuss ways to minimize the amount that you're paying.
Schedule a fee analysis with the team at https://americasretirementheadquarters.com/
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May 3, 2021
How To Take Advantage Of Your 60s
Money Magazine says "Between the ages 59 1/2 and 72 is the only time in your life where there are absolutely zero rules with IRAs." Zero rules might be a stretch, but this week, Scott Kerschner and Scott Osborn talk about the moves you can make to take advantage of that.
Find out more about the team at https://americasretirementheadquarters.com/
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Apr 26, 2021
How to Avoid "Analysis Paralysis"
We live in a world of unlimited choices. From Amazon to Netflix, we can basically have whatever we want whenever we want it. And that's good... right? Not always.
This week, Nolan and Scott discuss how having too many options in a retirement plan can overwhelm us to the point of making no decision... Which is often the worst decision.
Make a right decision, and schedule an appointment at https://americasretirementheadquarters.com/
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Apr 19, 2021
Tax Freedom Day
The country just recently (4/17) celebrated "Tax Freedom Day," the day where Americans collectively earned enough to pay for all federal, state, and local taxes we'll owe for the year. On this week's sow, Nolan and Scott discuss strategies that can help lower your tax obligations in the future, so that your personal "Tax Freedom Day" can hopefully happen earlier each year in retirement.
Start developing your tax strategy: https://americasretirementheadquarters.com/
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Apr 12, 2021
How to Plan for Tax Hikes
During your working years, the emphasis is on accumulating wealth to help fund your retirement. But as you approach and enter retirement, having a good tax strategy is just as important, if not more so, than your investment strategy. This week, Chaz Price and Scott discuss tax planning, as well as sifting through the hundreds of different ways you can claim your Social Security benefits.
Learn more about the whole team at https://americasretirementheadquarters.com/
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Apr 5, 2021
The "How-Tos" of Medicare
There's a lot to consider when it comes to Medicare: when and how to sign up, how to fill in the gaps, and what the different letters (Parts A-D) do and cover. This week, Scott breaks it all down.
Schedule a time to discuss your Medicare options at https://americasretirementheadquarters.com/medicare/
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Mar 29, 2021
How to Pick Long Term Care Insurance
It's not a lighthearted topic to discuss, but here's the truth: some form of long term care assistance is something over half of us will encounter during our lives. And if you don't account for it, it can devastate the nest egg you (and your spouse) have put together.
This week, Nolan and Bill Hurley discuss options for paying for long term care beyond an insurance policy.
Discuss your long term care options with the team at https://americasretirementheadquarters.com/
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Mar 22, 2021
How To Avoid Cyber Risk
A cyber-attack is performed every 39 seconds, and the damage related to it is projected to hit $6 trillion annually this year. On this episode, Nolan and Scott take the time to tell you what to be on the lookout for, and to make yourself less susceptible to cyber attacks.
Learn more at https://americasretirementheadquarters.com/
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Mar 15, 2021
How To Avoid Interest Rate Risk In Bonds
In a recent letter to his shareholders, Warren Buffet spoke of a "bleak future" for retirees due to low interest rates in bonds. This week, Nolan and Scott discuss why that may be, and alternatives to help prevent that future.
Start the discussion about your financial future at https://americasretirementheadquarters.com/
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Mar 8, 2021
How To Invest In a Market Crash
Right around a year ago at this time, we were in the early stages of a market crash. The market quickly recovered, and we're now close to all time highs, but Nolan and Scott discuss the steps you can take now to help A: preserve what you already have and B: use the next market downturn as a growth opportunity.
Start developing your plan now at https://americasretirementheadquarters.com/
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Mar 1, 2021
How to Make the Right Insurance Decision Past 65
More and more people over the age of 65 are continuing to work, and they're presented with the option of staying on their employer's insurance plan or beginning Medicare. Scott weighs in on what you need to consider before making that decision.
Reach out to Scott and figure out what's best for you at https://americasmedicareassociates.com/
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Feb 22, 2021
How to Keep Medicare Costs Down
The amount you'll have to pay for Medicare each month depends on which income bracket you're in during retirement. And going just one penny into the next bracket could translate into hundreds of dollars in additional premiums. Nolan and Scott discuss those brackets, and ways to avoid going over those thresholds without affecting the income you'll have in retirement.
Develop a plan that takes into account these thresholds at https://americasretirementheadquarters.com/
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Feb 16, 2021
How to Avoid Financial Infidelity
Honesty is the best policy, especially in marriage, but sometimes there are financial secrets in a relationship: a secret credit card or account, outstanding debt... Scott and Chaz Price discuss how catastrophic those secrets can be to building a successful retirement plan, and how to have that tricky conversation with your partner if you've been keeping a financial secret.
Start getting your financial house in order by visiting https://americasretirementheadquarters.com/
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Feb 8, 2021
How to Avoid Making Retirement Missteps
There are myths about retirement that could wreak havoc on your plan if you believe them. This week, Nolan and Scott discuss the top three missteps according to The Motley Fool, and how to avoid falling for them.
Take a step in the right direction at https://americasretirementheadquarters.com/
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Feb 1, 2021
How To Pick a Financial Advisor For Retirement
An average day in the life of a retiree is going to look a little different than the average day of someone still in the workforce. In the same way, financially planning for those days is going to look significantly different as well.
On this episode, Nolan and Scott discuss why retirement financial planning is so different from normal financial planning, and what to look for when choosing those advisors.
Meet the team at America's Retirement Headquarters right here
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Jan 25, 2021
How to Prepare For Higher Taxes, and How to Invest At a Market High
The saying goes "Buy low, sell high." But is it possible to still successfully invest while the market is up? Nolan and Scott discuss this, and what can be expected, tax-wise, from the Biden administration.
Schedule your Tax Road Map at https://americasretirementheadquarters.com/
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Jan 18, 2021
How to Determine How Much You Can Withdraw
A common rule of thumb says you'll need about 80% of your pre-retirement income once you quit working. This week, Nolan and Scott discuss how feasible that rule is, and how to determine a more specific number for your retirement.
Get your personalized retirement plan started at https://americasretirementheadquarters.com/
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Jan 11, 2021
How To Avoid Being Wiped Out By a Health Care Crisis
A new projection from HealthView Services says a healthy couple retiring this year (2021) can expect to spend more than $660,000 on medical bills over the course of their retirement, and that’s in addition to all your other bills.
This week, Nolan and Scott discuss how to avoid being wiped out by this massive expense.
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Jan 4, 2021
How and When to Claim Social Security
There are hundreds upon hundreds of different ways to claim your social security, and if you happen to be married there are even more factors to consider. On this week's show Nolan and Scott talk about the things to consider, and how to make the choice that's best for your household.
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Dec 28, 2020
How to NOT Retire
Retirement is usually the goal for everyone in the workforce, but there are some people out there who simply don't want to. And that's okay- but there are still things you should do to ensure thoss working years are as successful as possible. This week, Scott and guest Chaz Price talk about a few of those things.
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Dec 14, 2020
How To Avoid Being An Emotional Investor
If you look back on how the market performed in 2020, you'll see a number of price swings that normally take a decade or so ordinarily. We were fortunate enough to have it less than eight months!
This week, Nolan and Scott discuss how to avoid being an emotional investor (including over-reacting now that things are going up).
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Dec 7, 2020
Fuzzy Math In Retirement
We've known for awhile not that Social Security recipients will be getting a 1.3% COLA (cost of living adjustment) going onto 2021. But now we're being told that Medicare Part B premiums will be going up by 2.7%. The numbers don't lie, and they could spell disaster if you're not creating a plan that prevents you from losing ground annually.
This week, Scott and Nolan discuss some ways to prevent that slide, and more.
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Nov 30, 2020
Choosing the Right Advisor For You
Choosing a financial advisor can be a major life decision- some have even equated it to big decisions like buying a house or getting married! So it makes sense that you feel comfortable with who you choose. This week, Nolan and Scott discuss you should look for when making that decision- including some potential red flags.
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Nov 23, 2020
More Than Income
Obviously, income is going to be a big factor in determining what kind of retirement you're going to have, and you've probably spent the majority of your working life focusing on that. But there are other factors that you may not have considered that will also have a huge impact on your golden years.
This week, Nolan and Scott discuss two of those things: taxes and long term care.
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Nov 16, 2020
Letting Your Politics Dictate Your Investments
Now that the election is over people are wondering if it should have any bearing on how they invest. This week, Scott and Nolan weigh in and discuss how the election has (if at all) changed the startegies they're using.
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Nov 9, 2020
Year End Moves
As we get ready to bid farewell (or good riddance) to 2020, there are some things you can do before the end of the year to help set yourself for not just 2021, but your future retirement as well.
Nolan and Scott tell you what you should be doing and more on this week's episode.
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