E.A.S.E. Into Retirement Radio Show

Tom Mosley
  • 3.7 (3)
  • Investing
  • Weekly

The E.A.S.E. INTO RETIREMENT RADIO SHOW with TOM MOSLEY, is an informative & educational weekly radio program providing you the financial knowledge you need to create the retirement lifestyle you envision. With over 30 years of expertise in the financial industry and a background in the ministry, Tom shares his knowledge & enthusiasm for retirement strategy with sound information, poignant stories, and the latest retirement news. As a fiduciary, Tom covers important retirement topics like income, taxes, inflation, investment strategy, healthcare, and legacy.

  1. 1d ago

    Episode 150: "Space Mountain or Dumbo? Which Ride is Your Retirement Plan?"

    Space Mountain or Dumbo? In this episode of Ease into Retirement, we take a trip through Disneyland to see what the park’s rides can teach us about the road to retirement. From the twists and sudden drops of Space Mountain to the gentle, steady loop of Dumbo, each ride reflects a different stage of your financial journey, and the question is which one your portfolio feels like right now. Next, we get honest about the money lessons many people learn too late. Find out how headlines and emotions can quietly steer your decisions in the wrong direction, and why you may be less comfortable with risk than you believe, especially when markets get bumpy. Then we turn to the tax missteps that can cost retirees the most, from overlooking RMD planning to Roth conversions that go sideways. We finish with listener questions on downsizing, facing a layoff close to retirement, and whether it makes sense to spread your money across multiple banks. This one’s a true “E-Ticket” ride, so stay seated, lower the safety bar, and press play. Chapters 00:00 Intro Disney Wild Rides in Retirement 02:020 Space Mountain (younger vs older. Can’t take the ups n downs) 07:37 Dumbo (simple/classic) 09:20 It’s a Small World (habits you can’t shake off) Financial Truths 15:03 The Media is Often an Enemy 18:50 Emotions are not our Friend when it comes to Finances 23:00 You’re not as risk tolerant as you think you are 25:00 There is no one product that will take care of everything. Biggest Tax Mistakes Retirees Make 28:10 Not tax planning for RMDs 31:55 Roth Conversions 35:00 Not paying attention to the impact of timing Listener Questions 40:10 What should I think about if I want to downsize? 45:40 Got laid off & nearing retirement. What should I do? 48:00 Issues to having multiple accounts in multiple banks? Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #RetirementJourney #Social Security #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Comments reflect the views of individual users and do not necessarily represent the views of Mosley Wealth Management. They are not verified, may not be accurate, and should not be considered testimonials or endorsements. For more information, visit: www.mosleywealthmanagement.com

  2. Oct 22

    Episode 149: "Retirement Risk Changes After 50: Money, Home & Plan"

    Your biggest retirement risks aren't the same at 50 as they were at 30. In this episode, we look at how risk changes through the decades of your life, what that means for your money, and the key questions to ask about your home as you get closer to retirement. We also focus on why retirement planning is especially important for women, including longer life expectancies and the issues widows can face.  Chapters 00:00 Intro Risk Management in the Decades of Your Life 04:45 Risk in your 30’s & 40’s 07:00 Risk in your 50’s & 60’s Retirement Planning for Women 14:00 Why planning for women is so important 20:30 Retirement issues that face widows Managing Your Home in Retirement 27:00 Retiring with a home & a low interest rate 30:45 Downsizing 32:40 Taking a line of equity 35:25 Reverse mortgages Listener Questions 39:35 When do create a brand-new financial plan? 44:20 My retirement budget is being strained, what should I do? 46:30 My new & retired husband is older than I, how do we manage our retirement? Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #RetirementAfter50 #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier.  This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Comments reflect the views of individual users and do not necessarily represent the views of Mosley Wealth Management. They are not verified, may not be accurate, and should not be considered testimonials or endorsements. For more information, visit: www.mosleywealthmanagement.com

  3. Oct 15

    Episode 148: "Organize Your Finances Before You Retire (& Ditch Outdated Rules)

    Retiring soon? Before you worry about the market, get your own house in order. In this episode, we walk through how to clean out your financial closet, which documents to gather and how to organize them, and why some of the most popular retirement rules may no longer fit today's world. We also talk about how to question what you hear in the financial media, so you can tune out the noise and focus on information that actually helps your retirement plan. Chapters 00:00 Intro Cleaning Out Your Financial Closet 02:40 The different types of financial organization 04:00 Items that need to be organized 07:20 How to organize your documents 09:08 Creating a budget 11:50 Are your goals & your portfolio aligned? Financial Markets in the Media 15:55 Question the spin 22:22 Understanding interest rates 24:50 Product pushing Outdated Financial Rules 29:45 4% Rule 33:33 10-5-3 Rule 34:33 Moving from stocks to bonds 36:12 Having a million dollars Listener Questions 41:20 I’m 51, what do I do now to prepare for retirement? 45:20 Need money. Can I pull more money or get a part-time job? 48:05 I’m 57, but want to know how to tackle the next 10 years? Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #OrganizingForRetirement #RetirementJourney #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier.  This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Comments reflect the views of individual users and do not necessarily represent the views of Mosley Wealth Management. They are not verified, may not be accurate, and should not be considered testimonials or endorsements. For more information, visit: www.mosleywealthmanagement.com

  4. Oct 8

    Episode 147: "Retirement Advice from Betty White (Plus the Biggest Mistakes Boomers are Making)

    What can Betty White teach us about retirement? In this episode of Ease into Retirement, we pull surprisingly practical wisdom from some of Betty White's most memorable quotes, then dig into the biggest mistakes Boomers are making in retirement today. You'll learn: •    Retirement lessons hiding in Betty White's own words •    The biggest challenges Boomers are facing in retirement right now •    The most common mistakes knocking Boomers off track financially •    Recognizing if you're using the wrong tools & how to course-correct •    When to hire a financial planner Whether you're a Boomer navigating retirement now or just want a few laughs alongside financial education, this episode blends humor and honesty to help you stay - or get back - on track. Chapters 00:00 Intro Retirement via Betty White Quotes 02:52 On health & home  07:50 On working 11:05 On relationships Boomers 18:30 Challenges facing Boomers 24:20 Biggest mistakes Boomers are making Getting Off Track in Retirement 29:40 Using bad tools 34:30 How to get back on track Listener Questions 39:20 Nearing 50 – should I get a financial planner 46:10 Where should I put my money in a down market? Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #BettyWhite #Boomers #BoomersinRetirement #RetirementJourney #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier.  This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Comments reflect the views of individual users and do not necessarily represent the views of Mosley Wealth Management. They are not verified, may not be accurate, and should not be considered testimonials or endorsements. For more information, visit: www.mosleywealthmanagement.com

  5. Sep 24

    Episode 146: "3 Retirement Moves You Won't Regret: Tax Strategies, Estate Planning & Roth Decisions"

    What are the financial moves that successful retirees never regret? In this episode, Tom and Mark reveal three critical decisions that will transform your retirement: smart tax strategies, solid estate planning, and Roth decisions that pay off. Whether you're years away from retirement or already there, these moves work together to help create a secure, tax-efficient future with a protected legacy. Don't leave these decisions to chance - Hit play now! Chapters 00:00 Intro Reducing Taxes into the New Year 01:40 Donor advised funds & QCD 05:15 SEP IRA / Solo 401K 07:35 Check your withholdings 09:30 HSAs 10:50 RMDs The Role of an Executor 14:40 What is involved in being named an executor 22:00 Accounts & Assets that don’t go through the trust 23:20 Questions to ask if you’ve been named an executor No Regrets 29:00 Putting money in your Roth IRA 30:45 I should save more & spend less 33:50 I wish I didn’t have life insurance Listener Questions 39:40 How can I take care of myself, so kids don’t have to? 43:20 Should I do a Roth conversion and when? Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #RetirementKnowledge #Diversification #Retire #RetirementJourney #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier.  This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Comments reflect the views of individual users and do not necessarily represent the views of Mosley Wealth Management. They are not verified, may not be accurate, and should not be considered testimonials or endorsements. For more information, visit: www.mosleywealthmanagement.com

  6. Sep 17

    Episode 145: "Stop Retiring FROM Your Job - Start Retiring TO Your Life: Plus, IRA Secrets

    Tired of thinking about retirement as an ending? What if retirement was actually a beginning? In this week’s show, Tom and Mark challenge the traditional "retirement from work" mindset and explore how to "retire to something" instead. Discover career shifts, part-time opportunities, and strategies to stay engaged and purposeful in retirement - avoiding the boredom many retirees face. Plus, they tackle the most frequently asked questions about IRAs, Roth Conversions and more. You'll also get the inside scoop on advisor fees, fiduciary standards, and what to look for when choosing a financial partner. Whether you're years away from retirement or already there, this episode will help you reframe how you think about “retirement.” Hit play now! Chapters 00:00 Intro Retirement To Something vs From Something 05:30 Think about what you are “retiring to” 07:15 Making a career shift vs. a career end 10:05 Scale back/Work part-time 12:20 Learning to appreciate the process Frequently Asked Questions re: IRAs 16:40 What kind of return can I expect on my IRA? 20:00 Should I contribute to a 401K or Roth? 23:50 When should I do a Roth Conversion? 26:30 Should I roll my old 401K to a new one or create an IRA? 28:50 10 year draw down Pet Peeves in the Financial Industry 31:40 Advisor Fees 34:50 Fiduciary vs. Non-Fiduciary 36:04 Not knowing your risk level 37:00 Advisors who put their own goals ahead of the client 38:30 Advisors who use lingo over your head Listener Questions 42:15 Downsize or Retirement living? 45:00 Is it better to pay for a house in full or pay half & invest the rest?   Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #RetirementKnowledge #Diversification #Retire #RetirementJourney #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information, visit: www.mosleywealthmanagement.com

  7. Sep 10

    Episode 144: "Retirement Readiness: Are You Prepared? Your 3-Part Checklist"

    Think you're ready for retirement? Before you make the leap, master these three critical areas: choosing the right financial advisor, determining what purchases are smart "investments" in retirement, and assessing your retirement knowledge. In this essential episode, Tom and Marc help you evaluate your retirement readiness across every dimension that matters. They'll walk you through what to look for in an advisor, which purchases make sense versus drain your income, and the key retirement knowledge gaps you need to fill. Whether you're a couple years out from retirement or just starting, discover if you're truly retirement ready. Hit play now! Chapters 00:00 Intro What to look for when working with an Advisor  02:20 Check the advisor’s philosophy 06:40 Questions to ask an advisor 13:00 When you need to shift advisors Determining what is a good investment 15:00 Getting a better car 18:00 Collectibles 19:55 Home renovations 21:15 Vacation home & extra property Rating Your Retirement Knowledge 24:15 Your net worth 27:15 Your budget 28:40 Your risk tolerance & capacity 31:00 Do you know what you’re paying in fees? 33:15 Do you know what your guaranteed income is? Listener Questions 37:00 How to plan for retirement when you have a special needs child? 42:35 Doing seasonal work while on Social Security? 45:20 What is ESG Investing & is it good?   Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management #whattoaskanadvisor #GoodInvestments #RetirementKnowledge #Diversification #WhatsMyNetWorth #Retire #RetirementJourney #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information, visit: www.mosleywealthmanagement.com

  8. Sep 3

    Episode 143: "3 Money Questions Smart Grandparents Ask Before Retirement"

    Are you financially ready to retire, and thinking about helping your grandkids with their education at the same time? In this episode, we break down three money questions every grandparent over 55 should be asking before making any of those big decisions. We start with the education conversation: how to figure out what you can actually afford to contribute, and a breakdown of your options - 529 plans, the new Trump Accounts, UGMA/UTMA, custodial Roth IRAs, and taxable brokerage accounts. Next, we dig into your net worth: how to calculate it, what's "normal" for your age, and why net worth and investable assets aren't the same thing. Then we tackle diversification, what it really means, and why your definition and your advisor's definition might not match. Whether you're planning for retirement, helping the next generation, or just trying to make sense of it all, you’ll find some solid information you can apply to your own situation. Chapters 00:00 Intro Helping with College in Retirement 02:45 Determine the need  03:40 529 Plans 05:25 Trump Accounts (530a) 07:45 UGMA/UTMA 08:55 Custodial Roth 10:40 Taxable Brokerage Accounts Analyzing Your Financial Net Worth 14:45 How to break it down 19:00 Net worth by age 24:35 Net worth vs. investable Diversification  28:10 Diversification defined 32:55 What it means to an advisor Listener Questions 37:45 I’m 55. How do I know if I can retire? 43:00 As grandparents are we being taken advantage of? Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  =================================================== If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================  ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐  - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management  #529Plans #SmartGrandparents #Diversification #WhatsMyNetWorth #Retire #RetirementJourney #HelpingGrandkids #Social Security #FreedominRetirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy DISCLOSURE: Advisory services offered through Mosley Wealth Management, Inc. (MWM), an investment adviser registered with the U.S. Securities & Exchange Commission. Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services. For more information, visit: www.mosleywealthmanagement.com

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The E.A.S.E. INTO RETIREMENT RADIO SHOW with TOM MOSLEY, is an informative & educational weekly radio program providing you the financial knowledge you need to create the retirement lifestyle you envision. With over 30 years of expertise in the financial industry and a background in the ministry, Tom shares his knowledge & enthusiasm for retirement strategy with sound information, poignant stories, and the latest retirement news. As a fiduciary, Tom covers important retirement topics like income, taxes, inflation, investment strategy, healthcare, and legacy.

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