Retire With Freedom: Featuring Tad Hill & Toni Hill of Freedom Financial Group Tad Hill

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Neither Freedom Financial Group nor AEWM are affiliated with Bryant Driggers or One Brother. One Sister. ONE Mission.

In today’s episode, Tad and Toni reconnect with an old friend, Byrant “Breyer” Driggers. Breyer has a story that many in their late fifties and early sixties can relate to, working hard to become debt-free and create a secure future for himself and his family. We’re excited to have him on the show this week to share what’s on his mind as he approaches his retirement years. 
Throughout this conversation, Breyer will also share his passion for community service. Through his charity, One Brother. One Sister. ONE Mission., he’s been serving the homeless community in Birmingham for the last 30 years. Stay tuned to learn more about the incredible work he and his team are doing and how you can help this mission. 
Here’s what we discuss in today’s show:
Tad and Bryant’s background + how the nickname “Breyer” came to beWhere Breyers is in his retirement planning journeyThe concerns and goals Breyers has for his retirement yearsBreyer’s involvement and passion for community service
Learn more about One Brother. One Sister. ONE Mission.

https://www.facebook.com/staywarmbham/


Key Takeaway
“As long as you start at some point is better than not starting at all.” Bryant Driggers
We can assist you on your journey to financial freedom:
https://www.askfreedomfinancial.com/
205.988.0006

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Neither Freedom Financial Group nor AEWM are affiliated with Carolyn Potter or The WellHouse.

We love to feature local charities that we work here on the podcast. So, in today’s episode, we're honored to welcome a very special guest, Carolyn Potter- CEO of The WellHouse. She’s here to give us a look at the inspiring work of this incredible organization, dedicated to the recovery of female survivors of human trafficking, offering them a chance at healing and a hopeful future. 
We discuss the extensive process of creating a safe haven for these survivors, the importance of community involvement, and the various ways you can contribute to its mission. Whether it's through volunteering, financial support, or simply spreading the word, every action makes a difference in the lives of those affected by human trafficking.
Here’s what we discuss in today’s show:
How Tad and Toni became involved with various charities, including The WellHouseThe mission of The WellHouse and the services it provides The process and dedication involved in opening a home for young survivors The significance of community support and volunteerismHow to connect with The WellHouse to offer help or donationsLearn more about the WellHouse

https://www.the-wellhouse.org/

Key Takeaway

“We invest in every area of their lives. Recently, one of our graduates spoke at our board meeting…she said, ‘there wasn't anything that I needed that you all didn't offer and didn't provide for me.’” – Carolyn Potter


We can assist you on your journey to financial freedom:
https://www.askfreedomfinancial.com/
205.988.0006

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In this episode, Tad and Toni share a few important questions you need to ask yourself as you prepare for retirement. They discuss common misconceptions about downsizing your home, the realities of retirement expenses, and the importance of having a solid income plan before you step into this new season of life.
For example, if you’re thinking about moving into a smaller home in retirement, have you ever considered the actual value of your home and the cost of downsizing? Many people overestimate the amount they'll get from selling their house and underestimate the cost of their new, smaller residence. 
Many people also assume that they’ll end up spending less in retirement. But, the Hills point out that most people end up spending as much, if not more, than they did while they were working. With more free time and the desire to travel or pursue hobbies, expenses can rack up quickly. This is why a detailed lifestyle analysis is such an important part of the retirement planning process. 
Here’s what we discuss in today’s show:
The myths vs. the reality of downsizing your home for retirementThe misconception that spending will be less in retirementThe importance of a detailed lifestyle analysis in planningListener Question: Is there anything better I could be doing with my emergency fund?

Key Takeaway
"Most people think ‘I know what we're going to need to spend in retirement.’ And then we go through our lifestyle analysis and we find out that on average, they're off by 30%. "


We can assist you on your journey to financial freedom:
https://www.askfreedomfinancial.com/
205.988.0006

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Are you getting a tailored retirement plan or just a sales pitch? In today’s episode, you’ll learn how to recognize whether a financial advisor is looking out for your best interests or merely trying to sell you products. Stay tuned as we share some client stories, give you some red flags to look out for, and caution that credentials alone don’t guarantee quality advice. 
Remember, retirement isn't just about selecting the right investments. It’s about crafting a holistic plan that addresses all aspects of your financial life and sets you up to reach your goals. Don't settle for a one-size-fits-all approach- join us as we chat about the importance of a well-rounded retirement strategy. 
Here’s what we discuss in today’s show:
Beware of advisors who jump straight into product or portfolio recommendationsDon't rely solely on an advisor's credentialsUnderstand how financial products and decisions align with your retirement goalsWorking with someone who can help you with the whole pictureKey Takeaway
“It's important to be able to recognize the difference between an advisor who is actually doing retirement planning and has a process for that, and one who's just doing sales pitches all day.” 
We can assist you on your journey to financial freedom:
https://www.askfreedomfinancial.com/
205.988.0006

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When it comes to retirement planning, many people believe they've got it all figured out. "I'm averaging 7-8% on my investments," they say, for example, confident that this will carry them through their golden years. But is this confidence misplaced?
Stay tuned as we explore some of the flawed calculations that many retirees make regarding their financial future. We’ll debunk some common misconceptions about investment returns, withdrawal rates, and the dangers of overspending in retirement. Are you basing your retirement dreams on “fuzzy math?” 
 
Here’s what we discuss in today’s show:
The impact that market volatility can have on retirement savingsSetting realistic expectations and understanding risk in retirement planningOverspending in your early retirement yearsOutdated rules of thumb for retirement withdrawals 

Key Takeaway
"This is the thing that people really, really are fuzzy on. It doesn't even take a market correction to derail your lifestyle."


We can assist you on your journey to financial freedom:
https://www.askfreedomfinancial.com/
205.988.0006

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Creating a customized retirement plan for someone often means addressing unique challenges along the way. Whether you face a health problem, a job loss, or a roof leak, life has a way of throwing unexpected hurdles at us. In today’s episode of Retire With Freedom, Tad and Toni discuss some of the unique challenges they’ve helped clients with throughout the years.
Many people avoid seeking financial advice out of fear of what they might discover. However, addressing your financial concerns proactively can help you protect yourself from unexpected bumps in the road. Stay tuned to learn how working with a knowledgeable advisor can lead to greater peace of mind and financial security in the long run.
Here’s what we discuss in today’s show:
Early retirement due to unexpected circumstances + planning for fluctuations in expenses and lifestyle changesThe importance of addressing potential retirement challenges early in the processHelping couples in their second marriage navigate retirement planning with separate financesKey Takeaway
"It’s not that we can keep things from happening, but we can plan for them so that they don’t hurt you when they happen."


We can assist you on your journey to financial freedom:
https://www.askfreedomfinancial.com/
205.988.0006

Listen to more content:
https://www.askfreedomfinancial.com/in-the-media/#radio