91 episodes

Sam Liang and his team have been in business together for over 25 years. The solutions they use to solve your retirement problems, and to help you achieve your goals, come from years of hands on experience with their clients. With their unique team approach and fiduciary responsibility, you can be confident that your best interest always comes first.

Just Don't Lose The Money Podcast Rubino & Liang Wealth Partners

    • Business
    • 4.9 • 7 Ratings

Sam Liang and his team have been in business together for over 25 years. The solutions they use to solve your retirement problems, and to help you achieve your goals, come from years of hands on experience with their clients. With their unique team approach and fiduciary responsibility, you can be confident that your best interest always comes first.

    Comfortable vs. Struggling

    Comfortable vs. Struggling

    What’s the difference between having a “comfortable” retirement and a “struggling” retirement? A new survey from the Employee Benefit Research Institute identified four key factors:
    - Having guaranteed income
    - Having little debt
    - Having a clear spend-down strategy
    - Having access to a financial planner

    How much does each factor play...well, a factor?

    • 45 min
    The Reason Why You Need To Consider Long-Term Care Needs

    The Reason Why You Need To Consider Long-Term Care Needs

    A Genworth study estimates that retirees who need do long-term care, will need it for about two-and-a-half years … at a cost of about $100,000 a year!

    With the US Dept. of Health reporting that 70% of people turning 65 today will need some sort of Long-term care, what are your options to help make sure you aren't blindsided by sudden costs associated with your healthcare needs?

    • 47 min
    Where Should You Take That Retirement Income From First?

    Where Should You Take That Retirement Income From First?

    One of the most important decisions you’ll need to make in retirement is the order in which you take money from your various income sources.

    Ed Slott tells Morningstar that people in their 60s should usually withdraw money from their IRA first, and hold off claiming Social Security until later, but is that strategy best for your unique situation?

    • 46 min
    More changes in retirement laws?!?

    More changes in retirement laws?!?

    The Street is reporting there’s a good chance that we’ll see more changes to our
    retirement laws between now and the end of the year. What are some changes
    under consideration right now?

    - Over the next decade, the RMD age would gradually be pushed back from age 72 to age 75.
    - The penalty for a missed RMD would be reduced from 50% to 25% (and down to 10% for "timely corrected" missed RMDs).
    - Catch-up contributions for IRAs would become indexed for inflation, with the
    introduction of an extra catch-up contribution for employer retirement plans for those aged 62-64.
    - Going forward, all catch-up contributions would be required to be made to Roth-style accounts.

    How does planning for retirement change if these considerations DO make it in to law?

    • 47 min
    How Will Retirement Taxes Work?

    How Will Retirement Taxes Work?

    70% of pre-retirees surveyed by Charles Schwab say they know “little or nothing” about how their withdrawals are going to be taxed. Is it possible to reduce your taxes in retirement, if you use the right strategies?

    • 48 min
    Social Security Mistakes

    Social Security Mistakes

    A Boston University economics professor says between 50-70% of us will make a “major mistake” in the way we file for our Social Security benefits. When that time comes, how do we make sure we’re not leaving any money on the table?

    • 47 min

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