All Things Retirement

Anthony Aulffo
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Retirement insights from Certified Financial Planner Anthony Aulffo of Cardinal Wealth Group in Cherry Hill, NJ. Learn about important financial topics and retirement planning tips each week on the show. If you want to be better prepared for retirement and your financial future, this is the show for you! Check out the podcast on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ To learn more, visit https://cardinalwg.com/ or call (609) 362-5512.

  1. 4D AGO

    The Widow’s Tax Trap Many Couples Don’t See Coming

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now Losing a spouse is one of the hardest experiences a person can face, but many families are surprised to discover that it can also trigger a significant tax increase. The shift from married filing jointly to single filer changes how income is taxed, even if the surviving spouse’s income doesn’t change much. Anthony breaks down ways that can help reduce the impact and protect the surviving spouse’s financial future. Here’s some of what we discuss in this episode: 📈 Tax Bill Jump: $9,000 per year despite only a small drop in income 🔁 Filing Status Shift: Moving from married filing jointly to single filer 🔧 Planning Strategies: Roth conversions, RMD management, and tax diversification ⏰ Early Planning: The sooner couples plan for this risk, the better the outcome Resources:  Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

    10 min

  2. MAR 5

    The Essential Estate Planning Document Most People Forget

    🔓 Unlock Your Retirement’s Potential- Schedule a Call with Cardinal Wealth: https://cardinalwg.com/schedule-now If something happened to you tomorrow, would your family know where everything is? In this episode, we explore one of the most overlooked pieces of estate planning: the Letter of Instruction. While wills and trusts handle the legal details, a Letter of Instruction helps loved ones navigate the real-world logistics after a loss. From listing accounts and important contacts to organizing passwords and documents, this simple but powerful guide can spare your family confusion during a difficult time. Learn what it should include, why it matters, and how to start creating one today. Here’s some of what we discuss in this episode: 🧠 A Simple Question That Stumps Many Couples – If something happened tomorrow, would your spouse know where to start? 🔐 The Digital Problem Nobody Talks About – Online accounts and passwords can create unexpected chaos. 📄 The Estate Planning Document Many People Miss – It’s rarely discussed, but it can make a huge difference for your family. ❤️ Why This Small Step Means So Much Later – A little preparation today can make a hard moment far easier for the people you love.   Download our Letter of Instruction Template: https://drive.google.com/file/d/10DwhXnQmGdpJQmtb9UH83WPVdzGgYXnU/view?usp=sharing   Resources:  Our website: https://cardinalwg.com/ Phone: (609) 362-5512 Contact our team: https://cardinalwg.com/contact-us Schedule your no-cost consultation: https://cardinalwg.com/schedule-now Check out our downloadable guides: https://cardinalwg.com/resources/downloadable-materials Check us out on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ Facebook: https://www.facebook.com/CardinalWealthGroup/ LinkedIn: https://www.linkedin.com/in/anthony-aulffo-cfp%C2%AE-75b2919b/

    11 min

  3. 11/30/2023

    Retirement Planning for PSEG Employees (Part 2)

    We’re back to continue our conversation on retirement planning for PSEG employees. Anthony has spent a lot of time getting familiar with these employees and is here to share valuable insights and strategies to help you make the most out of your benefits in this two-part episode. This week, we’re going to take a look at Cardinal Wealth's Financial Planning For PSEG Employees Guide, talking through who it’s intended for, some of the best ways to utilize it, and more.    Here’s some of what we discuss in this episode: What employees will benefit the most from this PSEG guide + the best way to utilize it An overview of the PSEG benefits: Group Life Insurance, Thrift Savings Plan, medical plans, VEBA, Stock Purchase Plan + Cash Balance Plan Recommendations for PSEG employees that are 10-15 years from retirement Specific actions for employees 1 year to 6 months from retirement Final preparations and post-retirement actions a PSEG employees   Visit us online: https://cardinalwg.com/ Start the Cardinal Success Journey with your free assessment here: https://cardinalwg.com/free-assessment

    30 min

  4. 11/21/2023

    Retirement Planning for PSEG Employees (Part 1)

    In today’s episode, we’re going to dive into the ins and outs of retirement planning for PSEG employees. Anthony has spent a lot of time getting familiar with these employees and is here to share valuable insights and strategies to help you make the most out of your benefits.   Here’s some of what we discuss in this episode: A little background on PSEG + how Anthony started helping these employees How can PSEG employees make the most of their retirement benefits? The health insurance options available for PSEG employees How can PSEG employees best prepare for the transition into retirement? Some of the unique financial planning challenges for PSEG employees + how Cardinal Wealth helps them navigate these obstacles   Visit us online: https://cardinalwg.com/ Start the Cardinal Success Journey with your free assessment here: https://cardinalwg.com/free-assessment

    27 min

  5. 10/05/2023

    The Future of Retirement In America: Is The Glass Half Full or Half Empty?

    Are we on the brink of a retirement renaissance or stormy seas ahead? In this episode, we jump into the pressing issues of Social Security, healthcare, taxes, stock market trends, and long-term care. Whether you're an eternal optimist or cautious pessimist, this episode will equip you with perspectives to plan your retirement years with confidence as we ask the longstanding question, “Is the glass half full or half empty?”   Here’s some of what we discuss in this episode: Social Security: Anthony is optimistic about its future, despite funding challenges. He expects reforms to maintain its importance. Healthcare: Anthony is hopeful due to technological advancements and preventative care, but notes rising costs as a concern. Tax Rates: Anthony leans pessimistic, expecting higher taxes to address growing debt and fund social programs. Long-Term Care: Anthony is optimistic, foreseeing better care options for the middle class, driven by technology and quality improvements. Stock Market: Anthony is cautiously optimistic about the stock market's future and points out that historical trends show long-term growth in the market, despite market bubbles and uncertainties   Visit us online: https://cardinalwg.com/ Start the Cardinal Success Journey with your free assessment here: https://cardinalwg.com/free-assessment

    23 min

  6. 09/28/2023

    Navigating Finances After Losing a Spouse: Strategies & Mistakes to Avoid

    Losing a spouse is an unimaginably tough life event, but the financial implications can add another layer of stress to the grieving process. In this episode, we delve deep into the most common financial issues faced by widows and widowers, from dealing with income gaps to navigating tax changes as a single filer.  We explore actionable strategies to address these problems, such as the importance of life insurance and the ins and outs of spousal pension continuation. This is the episode for you if you’re concerned with ensuring the financial well-being of your remaining family members and safeguarding your financial future and legacy in the face of loss.   Here are some of the highlights you’ll want to listen for: What we discuss with people that come in after losing a spouse and faced with taking over the finances. The income gap that gets created and how we can plan for that ahead of time. How your tax filing changes could impact how much money you’re taking home. The common mistakes people make when it comes to kids and grandkids. What Anthony thinks about a trust and using it to preserve family wealth.    Visit us online: https://cardinalwg.com/ Start the Cardinal Success Journey with your free assessment here: https://cardinalwg.com/free-assessment

    26 min

  7. 09/14/2023

    When It’s Time to Change Financial Advisors

    The relationship you have with a financial advisor is one of the most important you’ll have in life. They’re with you through the ups and downs of life and help bring a feeling of security to your family. It’s important to remember that you aren’t stuck with an advisor once you pick one, and change can sometimes be necessary. In this episode, we delve into the complex and often emotionally charged process of changing financial advisors. We'll discuss the telltale signs that it's time to consider a switch, the questions to ask your current advisor, and what to look for in a new one. Join us as we demystify the transition process and equip you with the knowledge you need to make informed decisions about who is best suited to guide your financial future. Plus, Anthony will break down an article from Yahoo! Finance that bashed the Roth. Should you think twice before investing in a Roth? We’ll get into that as well. Read the Yahoo! Finance article here: https://finance.yahoo.com/news/lost-400k-retirement-savings-roth-174006044.html Make sure you check out our free download that was mentioned on the show, 10 Mistakes to Avoid When Hiring an Advisor: https://cardinalwg.com/resources/downloadable-materials   Here are some of the highlights you’ll want to listen for:  - Anthony reviews an article warning investors about using a Roth account. - The difficulty of leaving an advisor after building a relationship with them. - The number one reason why people leave an advisor is because of lack of communication. - What questions can you ask your current advisor to help evaluate them? - What’s most important when looking for a new advisor?   Visit us online: https://cardinalwg.com/ Start the Cardinal Success Journey with your free assessment here: https://cardinalwg.com/free-assessment

    25 min

  8. 08/31/2023

    Retirement: Ready Or Not Here It Comes

    Are you nearing “retirement age?” If so, let’s explore that pivotal question you’ll soon face: Should you retire or continue working? We’ll unravel the intricacies of this decision, addressing both financial and emotional aspects, and help you find out if you’re truly ready to retire.   Here are some of the highlights you’ll want to listen for: Starting early to understand your financial situation and retirement goals is essential. Knowing what steps to take to improve your financial position and reduce risks can lead to greater confidence and better outcomes in retirement. The concept of a fixed retirement age is evolving. Some people prefer to retire early, while others enjoy their work and want to continue working past traditional retirement ages. People are often surprised by their financial readiness for retirement. Running comprehensive analyses and having open conversations with financial advisors can reveal that retirement might be feasible sooner than expected, even in cases where individuals feel financially unprepared. Taking the time to understand your financial situation, including pensions, Social Security, investments, and potential scenarios, can boost your confidence in making retirement decisions.   CNBC Article: https://www.cnbc.com/2023/07/24/americans-have-big-number-goals-for-salary-retirement.html   Visit us online: https://cardinalwg.com/ Start the Cardinal Success Journey with your free assessment here: https://cardinalwg.com/free-assessment

    25 min
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About

Retirement insights from Certified Financial Planner Anthony Aulffo of Cardinal Wealth Group in Cherry Hill, NJ. Learn about important financial topics and retirement planning tips each week on the show. If you want to be better prepared for retirement and your financial future, this is the show for you! Check out the podcast on YouTube: https://www.youtube.com/channel/UCBoBzixGqqmOj4C4WWuuxfQ To learn more, visit https://cardinalwg.com/ or call (609) 362-5512.

Information

  • Creator
    Anthony Aulffo
  • Years Active
    2019 - 2026
  • Episodes
    68
  • Rating
    Clean
  • Copyright
    © Copyright Anthony Aulffo 2021
  • Show Website
    All Things Retirement

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