17 episodes

Your life changes drastically when you retire. You've spent 30, 40, 50, even 60 years of your life thinking about the day you no longer have to work. You've dreamt of the freedom that provides. The Retirement = Freedom podcast walks you through all the little things you need to understand in order to have the freedom in retirement that you deserve.

Retirement Equals Freedom Josh Bretl

    • Business
    • 5.0 • 4 Ratings

Your life changes drastically when you retire. You've spent 30, 40, 50, even 60 years of your life thinking about the day you no longer have to work. You've dreamt of the freedom that provides. The Retirement = Freedom podcast walks you through all the little things you need to understand in order to have the freedom in retirement that you deserve.

    016: Is Paying Advisor Fees Worth it?

    016: Is Paying Advisor Fees Worth it?

    Show me the money! On this episode of The Retirement Equals Freedom Podcast we’re finding out about the world of financial planning fees. What’s totally worth it, what’s so-so and when can you save $$ by managing on your own? Host Josh Bretl, founder of FSR Wealth Strategies, breaks down the different types of fees and shares advice he gives folks who are just starting out (when the stakes are lower) as well as heading into retirement (when professional advisory services can pay off in a big way). First, though, he and Co-Host Dave Schmidt have a lot of terrain to cover in their opening chat, which ranges from the unexpected delights of iced Cometeer Coffee to unbelievable (probably true) stories about the hosts’ noble ancestral heritage. You’ll come away not only with a smile, but also a new jingle that may (full disclaimer) haunt your dreams!

    And, finally, if at the end of the pod you are scratching your head and asking: Who (or what) is an ALF (?), here's the backstory.

    This episode was fueled by Cometeer Coffee, both iced and hot!

    Click here to learn more about or listen to previous episodes of The Retirement Equals Freedom Podcast. Don’t forget to sign up for the show’s new weekly email at this link and definitely come join the conversation at our new private Facebook group, which you can find here.

    Click here to explore the services that FSR Wealth Strategies offers and schedule a discovery call with one of the team’s CPAs. When it comes to living your best life, it’s never too early to get started!

    • 32 min
    015: When Can I Retire?

    015: When Can I Retire?

    Live from the FSR Wealth Strategies podcast studio in the heart of Elmhurst, Illinois, it’s another episode of The Retirement = Freedom and for the very first time … featuring Host Josh Bretl drinking Cometeer Coffee's flavorful La Esperanza roast. Guess what? He likes it. He really, really likes it! You also won’t want to miss Co-Host Dave Schmidt’s introduction to the podcast’s newest segment: Get to know Josh and Dave. (The jingle is still under construction.) After a quick detour into arcade games, this dynamic duo takes on the biggest of the big questions: When can I retire? There’s no one answer, but this episode offers advice on how to get started figuring it out. The calculus must take into consideration questions like: What will be your purpose? You may have the freedom, but do you have the means? The trick is to get into a mindset that takes what you desire in your fondest dreams and marries it with financial reality. What it will take to get there? That equation will be different for every one of us, which is why it pays to start considering what it all will look like in the future … now!  Enjoy this thoroughly caffeinated tour through the minds of our co-hosts, ranging from action figures to ramen noodles to vanity license plates that the Department of Motor Vehicles for the state of Illinois may or may not be willing to grant!

    What’s on your vanity license plate – real or imagined? Josh and Dave want to know! Share your favorites on our new private Facebook group, which you can find here.

    Know someone who is new to podcasts and wants to know how to tune in Retirement = Freedom? Josh has put together a little video that makes it easy. Click on this link (and share) to learn how to start listening today!

    And if you haven’t tried it already, click here to get $25 off your first order of Cometeer Coffee. It’s the greatest!

    Click here to learn more about or listen to previous episodes of The Retirement = Freedom Podcast.

    FSR Wealth Strategies offers free discovery calls. Just click here to get started with one of the team’s CPAs. When it comes to living your best life, it’s never too early to get started!

    • 30 min
    014: What to Look For in a Retirement Advisor

    014: What to Look For in a Retirement Advisor

    Choosing a financial advisor is serious business. Ideally, you’re entering into a reciprocal relationship based on … what? That’s what we’re finding out. On this episode of The Retirement = Freedom Podcast we’re learning from Host Josh Bretl about the Top 9 things to consider in forming what is arguably one of the most significant – and hopefully enduring – partnerships in our lives. Finding the right advisor will determine over the long run not only quality of life in retirement but the peace of mind to manage through good times – as well as bad. You’ll hear about key questions to keep in mind, such as whether a prospective advisor has the right expertise, a solid team and fiduciary credentialing. Is Josh ready with some Founding Fathers trivia? Will Dave recover from a teen-age trauma associated with the broken horn on his mother’s car? Can we go out and hire a transparent, honest, accountable and talented financial advisor based on Josh’s criteria? Check, check and check!

    Got a burning question (about retirement planning or 1990s music or Ne-Mo's Chocolate Chocolate Puddin' Cakes)? Join our new private Facebook group, which you can find here, and fire away. Josh and Dave will be offering up answers on future episodes!

    Click here to learn more about or listen to previous episodes of The Retirement = Freedom Podcast.

    Click here to explore the services that FSR Wealth Strategies offers and schedule a discovery call with one of the team’s CPAs. When it comes to living your best life, it’s never too early to get started!

    • 31 min
    013: Should Taxes Play a Role in Where You Decide to Retire?

    013: Should Taxes Play a Role in Where You Decide to Retire?

    When you imagine your Golden Pond – the retirement venue of your dreams – what does it look like? Have you really done your research and thought it through? On this episode of The Retirement = Freedom Podcast we learn from Host Josh Bretl, founder of FSR Wealth Strategies, some of the factors that are important to consider when choosing where to lay down post-retirement roots. The old stereotype of “snow birds” spending part of their year in places like Arizona or Florida is less and less common today, with more retirees opting instead for a year-round change. Why leave your home state permanently? Weather is still a popular reason, but politics, cost of living, state taxes and even safety have become equally powerful influences. It’s never too soon to start exploring the many variables that make some places more attractive than others from a financial planning point of view. Sales, income, property and estate taxes all vary, which is why it’s important to do your homework!

    This episode features not only a fantastic interactive state-by-state map to get you started, but also the latest on some devastatingly delicious crepes and The Dave’s deeply moving haiku tribute to Alaska. Plus Breaking News! Josh has finally placed his order! Cometeer Coffee will be showing up at his doorstep any day, so stay tuned for an unbiased review on an upcoming episode!

    Click here to learn more about or listen to previous episodes of The Retirement = Freedom Podcast. And don’t forget to join our new private Facebook group, which you can find here.

    Click here to explore the services that FSR Wealth Strategies offers and schedule a discovery call with one of the team’s CPAs. When it comes to living your best life, it’s never too early to get started!

    • 32 min
    012: Roth IRA Conversions Are For Everyone

    012: Roth IRA Conversions Are For Everyone

    Back by popular demand (probably), Host Josh Bretl is diving into the finer points of savings conversions in a follow-up to Part I of a very special Retirement = Freedom Podcast arc devoted to all things Roth IRA. If you missed the first installment, you might want to review the basics by listening to Episode 011, which you’ll find here.

    This episode is devoted to the timing of moving your savings from pre-tax traditional IRAs and 401k retirement plans into a Roth IRA whose growth going forward will be tax-free. The ouch, of course, is that the nest egg on which those future free distributions rest has to be taxed in the here and now. So it can be tricky! Josh explains some of the factors that must be analyzed when developing a smart conversion strategy. And a critical word of advice: Do your due diligence because once you click “convert,” there’s no going back. It’s important to be sure you’ve got a firm grasp of your current and future earnings and tax scenarios!

    Feeling a little unclear about the finer points of Roth IRA conversions versus sticking with your traditional IRA? Josh and his intrepid (which isn’t to say marathon-ready) cohost Dave Schmidt frame the decision in terms of weight loss and the pay-it-now or pay-it-later reality of managing good health. It’s a two-for-one. Great financial planning education plus inspiration for that physical fitness regime you’ve been putting off. So put down that Puddin’ Cake and join the fun!

    Are you in the FSR Wealth Strategies family and curious to learn more about Roth IRAs? Click  here to join our new private Facebook group and request a free Roth conversion analysis and maybe even win a chance at an original Dave jingle personalized just for you!

    • 27 min
    011: Roth IRAs May be the Greatest Tax Benefit to Retirees

    011: Roth IRAs May be the Greatest Tax Benefit to Retirees

    You’ve heard it before: Timing is everything. On this episode of The Retirement = Freedom Podcast we’re learning about the ins and outs of the Roth IRA and why it’s such a fantastic savings tool, so long as it's executed correctly. Host Josh Bretl gets into the finer points of tax-deferred versus tax-free distributions, what conditions must be met to make Roth contributions and the peace of mind that can come from leveraging the option. It’s one of the few vehicles that we can count on to maximize savings while minimizing future tax burden.

    Like all things financial planning, the timing of when to contribute is highly individualized and has to be part of a broader strategic approach. With help from his fearless sidekick, Dave Schmidt, Josh teases out some of the specific benefits Roth IRAs confer, even after death, and also how they work as a potential investment opportunity in down markets like the one we’re in today.

    Finally, you’ll learn why the Roth IRA offers a tremendous hedge against future taxes and why income earners who plan now can enjoy peace of mind (and generous post-tax distributions) later on in retirement. (And, no, Dave. It’s not the same thing as hoarding TGI Fridays rewards points that actually belonged to the friends who paid for your high school burgers and fries!)

    Click here to learn more about or listen to previous episodes of The Retirement = Freedom Podcast. And don’t forget to join our new private Facebook group, which you can find here.

    Ready to blast off with some high-octane (and delicious!) Cometeer Coffee? Click here to get $25 off your first order. It’s the greatest!

    Click here to explore the services that FSR Wealth Strategies offers and schedule a discovery call with one of the team’s CPAs. When it comes to living your best life, it’s never too early to get started!

    • 31 min

Customer Reviews

5.0 out of 5
4 Ratings

4 Ratings

el grinchero ,

Came for the stats, stayed for the silky smooth voices

Josh and Dave discuss financial awareness exactly how it should be - tied in with life experiences. With an eye on educating their audience, they acknowledge everyone's goals are different and provide options anyone can use to find their own path to financial success. These two are not only very entertaining but also make their audience walk away better informed. Highly recommend.

~MAJ Tom

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