288 episodes

Do you want to spend more money in retirement, while paying less taxes? Great news, you're in the right place!
I'll also teach you the benefits of retiring TO something, while most retirees only solve half the equation by retiring FROM something. Tune in every Monday morning - hosted by Benjamin Brandt CFP, RICP.
Join my "Every Day is Saturday" weekly newsletter for show notes, free book giveaways and other great retirement content: www.retirementstartstodayradio.com/newsletter

Retirement Starts Today Benjamin Brandt CFP®, RICP®

    • Business

Do you want to spend more money in retirement, while paying less taxes? Great news, you're in the right place!
I'll also teach you the benefits of retiring TO something, while most retirees only solve half the equation by retiring FROM something. Tune in every Monday morning - hosted by Benjamin Brandt CFP, RICP.
Join my "Every Day is Saturday" weekly newsletter for show notes, free book giveaways and other great retirement content: www.retirementstartstodayradio.com/newsletter

    A Short History of the 60/40 Portfolio

    A Short History of the 60/40 Portfolio

    Due to last year's poor market returns, you’ve probably seen the headlines that the 60/40 portfolio is dead. But is that really the case? 
    This week’s retirement headline explores the history of this classic retirement investment strategy. After we tackle the headlines, Bret and I team up to consider the best places to move in retirement. Listen in to hear where not to move. 
    Outline of This Episode [1:52] A history of the 60/40 portfolio [8:09] Why I like 60/40 [15:10] Where should retirees consider moving to for a great retirement? Resources & People Mentioned The Retirement Podcast Network A Short History of the 60/40 Portfolio Connect with Benjamin Brandt Get the Retire-Ready Toolkit:http://retirementstartstodayradio.com/ Follow Ben on Twitter:https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on
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    • 23 min
    8 Ways to Become Poor in Retirement

    8 Ways to Become Poor in Retirement

    There are many ways that could threaten your financial security in retirement. Knowing the common issues can ensure that you don’t fall into the traps. 
    Today’s financial headline comes from Yahoo Finance and is called 8 Ways Baby Boomers Become Poor in Retirement. Listen in to learn what they are so that you don’t drive yourself into the poorhouse. 
    Outline of This Episode [1:22] 8 ways to become poor in retirement [10:58] How can we determine the biases in an advisor Resources & People Mentioned The Retirement Podcast Network 8 Ways Baby Boomers Become Poor in Retirement Connect with Benjamin Brandt Get the Retire-Ready Toolkit:http://retirementstartstodayradio.com/ Follow Ben on Twitter:https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on
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    • 20 min
    More Than Half of Americans Want to Retire Gradually

    More Than Half of Americans Want to Retire Gradually

    We all want to retire, but have you considered how you would like to transition to retirement?
    This week’s retirement headline article shares some interesting statistics on phased retirements: who is thinking about them, who is utilizing them, and what people think about them.
    Listen in to learn the findings. Then stick around for our listener question surrounding stock positions, diversification, and taxes. 
    Outline of This Episode [1:42] Exploring the idea of a phased retirement [7:12] Can a phased retirement allow you to have your cake and eat it too? [11:38] A book update [13:10] Weighing risk vs tax consequences Resources & People Mentioned The Retirement Podcast Network ThinkAdvisor article Connect with Benjamin Brandt Get the Retire-Ready Toolkit:http://retirementstartstodayradio.com/ Follow Ben on Twitter:https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on
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    • 21 min
    The Retirement Crisis That Wasn’t

    The Retirement Crisis That Wasn’t

    Once upon a time, there was a prediction that the baby boomer generation would face a retirement crisis. So how did this gloom and doom projection turn into the wealthiest generation in history? Listen in to find out.
    Make sure to stay tuned for the listener question: What is the best way to fund a large expense without a large tax bill?
    Outline of This Episode [1:37] The accuracy of predictions [7:26] What is the best way to fund a large expense without a large tax bill Resources & People Mentioned The Retirement Podcast Network City Journal article Connect with Benjamin Brandt Get the Retire-Ready Toolkit:http://retirementstartstodayradio.com/ Follow Ben on Twitter:https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on
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    • 16 min
    Using Guardrails For The 4% Rule

    Using Guardrails For The 4% Rule

    You’ve heard of the 4% rule, and if you’ve listened to this podcast before, you’ve heard of Guyton’s guardrails strategy. But have you ever heard of using them together? Today’s retirement headline explores this idea. 
    Overall, the article highlights the importance of considering sequence-of-returns risk in retirement planning and adopting flexible strategies, such as guardrails, to ensure financial security throughout retirement.
    Listen in to learn more about this combination of strategies as well as my opinion on the matter. Then stick around for the listener question segment where Bret and I answer the question: Do I need a will if I want to split my assets evenly between my two children?
    Outline of This Episode [1:42] Sequence of returns risk is the greatest risk to your retirement [6:48] How you can take the best of both strategies [14:20] Should I have a will to split my assets evenly between my kids? Resources & People Mentioned The Retirement Podcast Network Financial Advisor Magazine article Connect with Benjamin Brandt Get the Retire-Ready Toolkit:http://retirementstartstodayradio.com/ Follow Ben on Twitter:https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on
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    • 22 min
    The Challenges of Retiring from a High-Powered Job

    The Challenges of Retiring from a High-Powered Job

    Is it possible to suddenly step away from a high-powered job and into a life of leisure? This may not be the best idea for your retirement if you work at the executive level. 
    In this episode of Retirement Starts Today, we’ll explore an article from Harvard Business Review that outlines several pitfalls that could come with retiring from a high-powered job and insights on how to navigate them. 
    Stick around for the listener question segment to hear the best ways to give money to your adult children while you are still living rather than waiting until you pass away to leave an inheritance. 
    Outline of This Episode [1:42] Advice for a CEO about to retire [3:36] Areas to think about when making the retirement transition [12:54] Advice on giving money to adult children while you’re still living Resources & People Mentioned The Retirement Podcast Network Harvard Business Review article Episode 295 - How Could This Go Horribly Wrong? Lessons in Estate Planning Part 1 Episode 296 - My Kids Don’t Want My Stuff – Lessons in Estate Planning Part 2 Connect with Benjamin Brandt Get the Retire-Ready Toolkit:http://retirementstartstodayradio.com/ Follow Ben on Twitter:https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on
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    • 19 min

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