Retire With Freedom: Featuring Freedom Financial Group's Toni, Tyler & Tad Hill

Tad Hill
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Join us each week for important financial and retirement planning guidance on the Retire With Freedom Podcast with Tad Hill, RFC®, CRPC®, Toni Hill, RFC®, and Tyler Hill RFC® of Freedom Financial Group. Tad, Toni, and Tyler will talk about important topics related to your IRAs, 401(k)s, Social Security, and more. They'll help you understand things like market volatility, risk, annuities, and so much more. Freedom Financial Group helps you manage all the pieces of your retirement plan so you can retire with confidence. If you'd like to contact the team, call 205-988-0006 or visit them online at https://www.askfreedomfinancial.com/ to start your conversation today! Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. 1768991- 4/23

  1. 12/11/2025

    Do You Know Where You Stand For Retirement?

    📅 Are you ready to retire with freedom? Schedule a discovery call: https://askfreedomfinancial.com/schedule-a-call/?utm_source=Hero Today’s conversation centers on one of the biggest questions pre-retirees face: Where do I actually stand? Tad, Toni, and Tyler walk through the most common scenarios they see, why so many people underestimate their expenses, and how early planning creates more flexibility and peace of mind. From income gaps to lifestyle goals to tax and legacy concerns, the Hills outline what it takes to truly know you’re ready- and what steps to take next. Here’s what we discuss in today’s show: 📍 Know Your Spending: Why most people misjudge spending by 30% 🧭 Retirement Readiness: The three common mindsets people bring into the planning process 🏖️ Lifestyle Planning: Define what retirement actually looks like before planning numbers 📊 More Time = More Options: Planning 5–10 years out creates flexibility 🛡️ For High-Net-Worth Savers: Tax planning, LTC strategies, and risk management matter  Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero  🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

    15 min

  2. 08/14/2025

    Mailbag: Pension Got Bought Out… Now What?

    Facing retirement sooner than expected? You're not alone. In this special mailbag edition, Tad, Toni and Tyler dive into a listener’s real-life question about an unexpected early retirement and the sudden loss of a pension. Together, they unpack strategies for building your own pension, making smart decisions with lump sums, and creating a plan that brings clarity, not fear.  As the team talks through Lenny’s situation, the conversation naturally turns to the emotional side of retirement, the anxiety that comes from not knowing where things stand, and the relief that follows once a plan is finally in place. They reflect on how often people delay taking action out of fear, and how just getting started can shift everything. Even the most unsettling retirement curveballs can become turning points, if you have the right guidance.  Here’s what we discuss in today’s show: 📬 Lenny's curveball: retiring at 62 with no pension and big decisions ahead ⚠️ The mistake that wiped out 50% of some retirees' savings ✅ Most people will make changes, they just need to know what to do ⏳ Delaying a plan shrinks your options  🔐 Can fixed annuities can turn a lump sum into joint lifetime income? Key Takeaway "The best time to plant a tree was 20 years ago. The next best time is today."  Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero  🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

    11 min

  3. 08/07/2025

    Something You Learned from Your Mom

    Ever catch yourself doing something and realize... yep, that’s totally something your mom used to say? In this Getting To Know You episode, Tad, Toni, and Tyler talk about the life lessons they picked up from their moms—some practical, some motivational, and a few that are just plain funny. Toni shares why she’s always ten steps ahead (literally packed for a trip two weeks early) and Tad opens up about learning to believe in yourself and put in the work. Turns out, those early lessons stick and shape how we show up in life, work, and even our closets. The conversation turns into a humorous story of personality differences, travel quirks, and what it means to be “prepared.” They also touch on how belief, effort, and facing reality head-on are key to getting things done. You might just walk away realizing how much of your mom lives in your day-to-day.  Here’s what we discuss in today’s show: 🧳 Why Toni is Team “Unpack Immediately” 💪 “Rub some dirt on it” (Tyler’s philosophy) 🧠 The mindset Tad learned that fueled his business 🎯 Why belief without effort isn’t enough 📚 The wisdom of Good to Great  Key Takeaway "You can accomplish anything you want to accomplish if you're willing to set your mind to it and apply yourself."  Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero  🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

    15 min

  4. 07/31/2025

    The Truth About Risk Tolerance

    Risk tolerance: it’s a phrase you’ve probably heard tossed around a hundred times. But what does it really mean, especially for someone closing in on retirement? In this episode, Tad, Toni, and Tyler break down why the traditional way the financial industry talks about risk tolerance often misses the mark. It’s not just about your comfort level with market swings, it’s about whether your dollars are doing the right job for your retirement stage. The trio digs into why many portfolios look like a “junk drawer” (full of random investments without a plan), and they explain how different dollars should serve different purposes—like funding your lifestyle, covering emergencies, or passing wealth to your kids. They also tackle the common “foot on the gas, foot on the brake” strategy: holding risky investments and hoarding cash at the same time. Is your portfolio aligned with your goals, or just riding the market rollercoaster? Tune in to find out.  Here’s what we discuss in today’s show: 📉 Why risk tolerance is more than just a number 🧠 How to think differently about the purpose of your dollars ⚖️ Why diversification alone won’t solve your retirement puzzle 🧰 Is your portfolio a junk drawer? Here’s how to fix it 💵 Is there such thing as too much cash?  Key Takeaway "Unless you have a very clear, defined, step-by-step plan, you don't have a retirement plan."  Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero  🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

    12 min

  5. 07/24/2025

    Behind the Mission with Frank Long: The Power of Second Chances

    In this episode, Tad and Toni sit down with Frank Long, Director of Development at the Lovelady Center, the largest long-term recovery facility for women and children in the United States Frank shares the powerful story behind this Birmingham-based ministry, which serves over 500 women and more than 100 children recovering from addiction, incarceration, homelessness, and trauma.  You’ll hear the inspiring legacy of founder Brenda Lovelady Spahn, a businesswoman who turned a personal crisis into a life-changing mission. Her vision? Not a halfway house, but a whole-way house, offering full transformation through education, parenting, job readiness, and the love of Christ. Plus, hear the story behind what moved the Hills to tears, inspired their team’s involvement, and how you can join an upcoming serve day. To learn more or take a tour, visit loveladycenter.org. Here’s what we discuss in today’s show: 💕 Meet the biggest recovery center you’ve never heard of 🙏 The moving backstory of founder Brenda Lovelady Spahn 🎁 How they made Christmas happen for 1,350 kids 🧗 Why there's a rock-climbing wall in the aftercare program  🤝 How you can serve or give back, right alongside Tad & Toni More about The Lovelady Center: https://www.loveladycenter.org/  Key Takeaway "We are the largest long-term recovery facility for women and their children in the United States."   Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero  🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

    14 min

  6. 07/17/2025

    Getting To Know You: Favorite Thing To Do As A Kid

    This week, we’re taking a break from taxes and market talk to ask the real question: What was your favorite thing to do as a kid? Get ready for a trip down memory lane with Tad, Toni, and Tyler, complete with coat-rack microphones and backyard army battles. Toni spills the tea on how she got her brother in trouble every single night, Tyler confesses to using Shannon as his personal roadie, and Tad? Let’s just say one busted Led Zeppelin record nearly got him banned from his sister’s room forever.  This episode is a reminder that behind every retirement plan is a real person who once lip-synced to Hannah Montana or launched a full-scale attack on a platoon of plastic soldiers. If you’ve ever wondered what your financial planning team was like before 401(k)s and Roth IRAs, this episode gives you a front-row seat. It’s a lighthearted look at the childhood roots that shape how this team shows up today, with humor, heart, and a deep love for helping families. Here’s what we discuss in today’s show: 🥾 Tad’s backyard army man warfare tactics 🧸 Tyler and Shannon’s pop star performances 🤐 How Toni kept her brother in trouble (and her halo intact) 👨‍👩‍👧‍👦 The heart behind the retirement planning team 🏰 Imagination > iPads: growing up without screens Key Takeaway "My favorite thing was listening to music and dancing around the room singing into the coat rack."  Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero  🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

    15 min

  7. 07/10/2025

    Lessons from Noah’s Ark: Preparing Before the Storm

    What does Noah’s Ark have to do with retirement? More than you might think. In this episode, Tad, Tyler and Toni draw a clever parallel between building an ark before the rain and planning your retirement before the unexpected happens. Markets shift, tax laws change, pandemics hit, loved ones pass, and the worst time to start planning is in the middle of the storm.  Tune in as the Hill family dives into real-life risks- like losing a spouse’s income, long-term care costs, and sudden tax changes- and share why “just winging it” or following your neighbor’s advice isn’t a strategy. They also break down the difference between a retirement planner and someone who just manages your portfolio, and why it matters a lot when you're five to ten years from retirement. If you want to be prepared for whatever the future brings, this is your invitation to start building your ark now. Here’s what we discuss in today’s show: 🛶 Why you need a plan before things go wrong ⚠️ Planning for the unknown – Market volatility, long-term care, and life surprises 👥Why advice from friends or generalists isn’t enough 📉 Portfolio management ≠ retirement planning 📅 Why 5–10 years before retirement is the sweet spot for planning Key Takeaway "As retirement planners, it's our job to look out into the future and have a contingency plan for the unexpected."  Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero  🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

    16 min

  8. 07/03/2025

    Financial Entertainment vs. Real Planning Advice

    You’ve heard the radio shows. You’ve watched the financial “gurus” on TV. They throw out bold advice like confetti: when to take Social Security, what to do with your annuity, how to pick your mutual funds. But here’s the thing: most of them aren’t even licensed to give financial advice. In this episode, Tad, Toni, and Tyler unpack why real, personalized guidance can’t be given in sound bites and why that’s actually a good thing. They share why real retirement planning is about asking the right questions, understanding your unique situation, and building a strategy designed for you. If you’ve ever felt lost in a sea of generic tips and jargon, this is worth a listen. Here’s what we discuss in today’s show: 📢 The difference between financial noise and real guidance  🎯 Why planning for retirement requires a different mindset than building your savings  🛠️ The importance of creating a retirement strategy tailored to your life  📚 Key considerations for do-it-yourself investors as they approach retirement  🔍 How to recognize advice that may not be coming from a licensed source Key Takeaway "The only way we can give you financial advice is if we have met with you and we have exhaustively gathered information."  Resources: ✨ We can assist you on your journey to financial freedom: https://www.askfreedomfinancial.com/ 📞 Phone: 205.988.0006 📅 Schedule a Discovery Call: https://askfreedomfinancial.com/contact/?utm_source=Hero 🎓Attend a Course: https://askfreedomfinancial.com/attend-an-event/?utm_source=Hero  🎥Watch the Podcast on YouTube: https://www.youtube.com/playlist?list=PLEcHKcOSu6_m7cG9adV8xHTXLtH5g9M9t

    8 min
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About

Join us each week for important financial and retirement planning guidance on the Retire With Freedom Podcast with Tad Hill, RFC®, CRPC®, Toni Hill, RFC®, and Tyler Hill RFC® of Freedom Financial Group. Tad, Toni, and Tyler will talk about important topics related to your IRAs, 401(k)s, Social Security, and more. They'll help you understand things like market volatility, risk, annuities, and so much more. Freedom Financial Group helps you manage all the pieces of your retirement plan so you can retire with confidence. If you'd like to contact the team, call 205-988-0006 or visit them online at https://www.askfreedomfinancial.com/ to start your conversation today! Investment advisory products and services made available through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. 1768991- 4/23

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