Retiring Today

Merkle Retirement Planning
  • 3.6 (21)
  • Investing
  • Updated Weekly

Ever wondered about the future of Social Security? Need help creating a plan for Long-Term Care? What happens if you retire during a Recession? Retiring in today’s world can be complex and complicated. Each week, CERTIFIED FINANCIAL PLANNER™ Loren Merkle and co-host Molly Nelson will tackle trending financial topics and apply them to your retirement. You’ll takeaway the important, need-to-know information about preparing for retirement and what happens after you get there. Retiring Today will give you actionable tips that you can use to reach your retirement goals.

  1. 2d ago

    246. Will Your Money Last as Long as You Do?

    You've worked hard, saved diligently, and done everything right. But there's a question that keeps so many pre-retirees up at night: Will my money actually last? In this episode of Retiring Today, Molly, Loren, and Clint tackle one of the most fundamental fears in retirement, running out of money, and show you that with the right plan, it doesn't have to be your reality. We break down the retirement income gap, introduce the NOW / LATER / FOREVER income bucket framework, and walk through how a written withdrawal strategy can be the difference between thriving in retirement and just surviving it.Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4xfCy5t--Loren MerkleCFP, RICP, Certified Financial Fiduciaryhttps://merkleretirementplanning.com/staff-members/loren-merkle/Clint HuntrodsCertified Financial Fiduciary, PhDhttps://merkleretirementplanning.com/staff-members/clint-huntrods/Molly NelsonHost of Retiring Today with Loren Merklehttps://merkleretirementplanning.com/staff-members/molly-nelson/--This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

  2. Aug 30

    246. 6 Money Moves for Market Swings

    Market swings are inevitable, but your retirement plan doesn't have to be a victim to them. In this episode, we break down six proactive and reactive strategies you can use to protect your retirement lifestyle when the market gets volatile, plus a hypothetical example showing how one family saved over $12,800 using tax loss harvesting. Ready to take the next step?  Schedule a RetireReady Call at https://bit.ly/4qiY4mS -- Loren Merkle CFP®, RICP®, Certified Financial Fiduciary® https://merkleretirementplanning.com/... Clint Huntrods PhD, Certified Financial Fiduciary® https://merkleretirementplanning.com/... Molly Nelson Host of Retiring Today with Loren Merkle https://merkleretirementplanning.com/...

  3. Aug 23

    245. You’ve Inherited an IRA — Now What?

    Inheriting an IRA can feel overwhelming—emotionally and financially. With new rules requiring many beneficiaries to withdraw funds within 10 years, the decisions you make today could have long-term tax and retirement implications. In this episode, we walk through how to invest an inherited IRA, how withdrawal strategies impact your plan, and how to align this money with your personal goals. If you’ve recently inherited money—or expect to—this is a must-listen.  Ready to take your next step in retirement planning? Schedule a RetireReady Call at https://bit.ly/3TX6rsq -- Loren Merkle CFP®, RICP®, Certified Financial Fiduciary® https://merkleretirementplanning.com/staff-members/loren-merkle/ Chawn Honkomp CFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/ Molly Nelson Host of Retiring Today with Loren Merkle https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

  4. Aug 16

    244. 8 Retirement Mistakes That Could Leave You Broke (And How to Avoid Them)

    Retirement comes with opportunities, but it also brings financial risks that can catch people off guard. Learn eight common reasons retirees can run short on money and practical planning strategies that may help you prepare for a more confident retirement. Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4hu6DJo -- Get the tools you need to prepare for retirement with the Retire Your Way Toolkit: https://bit.ly/4x2nzM3 -- Loren Merkle CFP®, RICP®, Certified Financial Fiduciary® https://merkleretirementplanning.com/staff-members/loren-merkle/ Clint Huntrods Certified Financial Fiduciary®, PhD https://merkleretirementplanning.com/staff-members/clint-huntrods/ Molly Nelson Host of Retiring Today with Loren Merkle https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

  5. Aug 9

    243: You Have a Million-Dollar IRA. Is a Roth Conversion Worth It?

    If you have a large IRA balance and retirement is getting closer, your tax bill may be bigger than you expect. This episode breaks down why taxes catch so many retirees off guard and what you can do about it now. Ready to take your next step in retirement planning? Schedule a RetireReady Call at https://bit.ly/3Sy2vxl Download your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE Loren Merkle, Molly Nelson, and Chawn Honkomp walk through a hypothetical example of a 62-year-old with a $1 million IRA to show how an intentional Roth conversion strategy can reduce their total tax bill over a 20-year retirement. The numbers are specific, the strategy is practical, and the example makes it easy to see how this could apply to your own situation. The conversation also covers how Required Minimum Distributions force taxable income whether you need the money or not, why Social Security timing affects your tax picture more than most people realize, and why historically low tax brackets right now create a window worth paying attention to. The episode closes with six action steps you can take now. Getting a retirement tax strategy, running a Roth conversion analysis, coordinating Social Security, reviewing your investment purpose, planning for health care costs, and thinking about your legacy. -- Loren Merkle CFP®, RICP®, Certified Financial Fiduciary® https://merkleretirementplanning.com/staff-members/loren-merkle/ Chawn Honkomp CFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/ Molly Nelson Host of Retiring Today with Loren Merkle https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

  6. Aug 2

    242. You Have More Control Over Your Retirement Tax Bill Than You Think

    You saved diligently for decades. But the tax bill waiting inside your IRA may be larger than you think, and it can grow every year. Ready to take your next step in retirement planning? Schedule a RetireReady Call at https://bit.ly/3Sy2vxl Want to go deeper? Download the Tax Strategies for Retirement guide at MerkleTaxGuide.com In this episode, Loren Merkle, Molly Nelson, and Chawn Honkomp break down why taxes catch so many retirees off guard and what you can do about it now. They cover why money sitting in a 401(k) or traditional IRA is not yours to keep in full. They also walk through Required Minimum Distributions (RMDs), which force you to take money out of your accounts whether you need it or not, and what that does to your tax bill over time. Loren walks through an illustrated example showing how one intentional Roth conversion strategy saved a pre-retiree over $110,000 in retirement taxes. The episode also covers what the national debt could mean for future tax rates, why Social Security timing affects your taxes more than most people realize, and how looking at your retirement accounts in three separate buckets gives you real choices about what you pay in taxes each year. -- Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary® https://merkleretirementplanning.com/staff-members/loren-merkle/ Chawn Honkomp, CFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/ Molly Nelson, Host of Retiring Today with Loren Merkle https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

  7. Jun 28

    241. The Key Financial Decisions That Come With Each Decade of Retirement.

    Retirement isn’t a single event, it’s a journey that can span 20, 30 or even 40 years. The financial decisions you face at age 50 may look very different from the ones you’ll encounter in your 60s, 70s and beyond. In this episode, we explore the key planning priorities that often emerge during each decade of retirement and how those decisions can affect your long-term financial picture. From deciding when to claim Social Security and creating an income strategy designed to help support your needs, to managing taxes, planning for health care costs, navigating required minimum distributions and preparing for legacy and estate considerations, every stage of retirement brings new opportunities and challenges. Whether you’re approaching retirement, recently retired or years into the journey, this episode offers helpful insights into the financial decisions that may matter most at every stage of retirement and how thoughtful planning can help you move forward with a greater sense of confidence. Ready to take your first step in retirement planning? Schedule a RetireReady Call at https://bit.ly/42nu7qP Download your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE --Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary® https://merkleretirementplanning.com/staff-members/loren-merkle/ Chawn Honkomp, CFP®, RICP®, Certified Financial Fiduciary®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/ Molly Nelson, Host of Retiring Today with Loren Merkle https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. The testimonial shared in this episode is provided by a current client, who did not receive compensation for their experience with Merkle Retirement Planning. This testimonial does not present conflicts of interest due to the relationships or services offered. This published testimonial is representative of this individual’s experience only.

  8. Jun 21

    240. Annuities Explained: Pros, Cons, and How to Know If One Belongs in Your Retirement Plan

    What role can annuities play in retirement planning, and how do you know if they may be worth considering? In this episode, we break down the pros, cons and complexities of annuities in a practical, easy-to-understand way. From income features and potential downside protection to fees, surrender charges and liquidity concerns, you’ll learn why annuities may be a helpful tool for some retirees, but not the right fit for others. The episode explores different types of annuities, including variable annuities, fixed indexed annuities and income-focused strategies that may help create a personal pension-style income stream in retirement. You’ll also hear why some retirees value annuities for the added predictability they may provide, especially during market volatility or for those concerned about outliving their money. Most importantly, this discussion emphasizes that a product should never replace a comprehensive retirement plan. Whether you already own an annuity or are considering one for the first time, this episode offers educational insight to help you better understand whether an annuity may fit into your retirement strategy. -- 🗓️ Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4wTW07O 📖 Download your copy of the Retiring Today Magazine at https://bit.ly/4nDw5eE -- Loren Merkle, CFP®, RICP®, Certified Financial Fiduciary® https://merkleretirementplanning.com/staff-members/loren-merkle/ Clint Huntrods, Certified Financial Fiduciary®, PhD https://merkleretirementplanning.com/staff-members/clint-huntrods/ Molly Nelson, Host of Retiring Today with Loren Merkle https://merkleretirementplanning.com/staff-members/molly-nelson/ -- This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC. MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

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3.6
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About

Ever wondered about the future of Social Security? Need help creating a plan for Long-Term Care? What happens if you retire during a Recession? Retiring in today’s world can be complex and complicated. Each week, CERTIFIED FINANCIAL PLANNER™ Loren Merkle and co-host Molly Nelson will tackle trending financial topics and apply them to your retirement. You’ll takeaway the important, need-to-know information about preparing for retirement and what happens after you get there. Retiring Today will give you actionable tips that you can use to reach your retirement goals.

Information

  • Creator
    Merkle Retirement Planning
  • Years Active
    2019 - 2026
  • Episodes
    266
  • Rating
    Clean
  • Copyright
    © Merkle Retirement Planning
  • Show Website
    Retiring Today

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