Retiring Today

Merkle Retirement Planning
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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. 4D AGO

    233. What If the Market Crashes in Your First Year of Retirement?

    Imagine retiring with $750,000 and watching it drop by 30% in year one. A market drop like that can have a real impact on your retirement income. In this episode, we break down the bucket strategy, a way to divide your money into three buckets designed to help protect your income during market downturns. We also cover how to evaluate the risk you’re currently taking and how it may need to change in retirement, plus why your tax strategy and Social Security decisions play a key role in making your money last. If you're 55 or older and concerned about what a market drop could do to your retirement income, this episode is for you. -- Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/3PKQseH 📖 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.

    25 min

  2. APR 5

    232 Laid Off After 55? What to Do About Health Care, Taxes, and Your 401(k)

    Last year, 1.1 million people were laid off, numbers not seen since 2020. And 40% of people retire earlier than they planned. If a layoff or buyout is on your radar, the decisions you make about health care, taxes, and your 401(k) will follow you for the rest of your retirement. Key Takeaways: ✅ Losing your job doesn't mean losing your health insurance. COBRA can keep you covered for up to 18 months. ✅ The money in your HSA can be used tax-free to pay for qualified health care expenses in retirement. ✅ The Rule of 55 lets you take money from your 401(k) early without the 10% penalty. ✅ An example of how a family that got a $150,000 severance ended up in a higher tax bracket. If you're 55 or older and worried about a layoff, buyout, or early retirement, then this episode is for you. -- 🗓️ Ready to take the next step? Schedule a RetireReady Call https://bit.ly/4bD27ns 📋 Download the complimentary guide, "Can You Retire If Offered a Buyout? Ask Yourself These Six Questions" at https://bit.ly/4bORYoE -- 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.

    26 min

  3. MAR 29

    231. Three Retirement Planning Strategies for Large IRAs ($2 Million Example)

    You saved. You planned. You built a $2 million IRA, but every dollar in that account has never been taxed before. The question was never if you'd pay taxes on it, the question is how much? With proactive strategies in place, you may be able to keep a lot more of that money than you'd expect. In this episode, Loren Merkle and Clint Huntrods walk through three strategies for pre-retirees sitting on a large, all pre-tax IRA so you can make decisions on your terms, not the IRS's. What We Cover: ✅ Why the window between retirement and your RMD age (73 or 75) may be your biggest tax planning opportunity ✅ An example of how one family divided $2 million into four purposeful buckets and cover a $4,500/month income shortfall ✅ The in-service rollover strategy that can give you more investment control at age 59½ ✅ How a Charitable Remainder Unitrust (CRUT) can stretch distributions beyond the SECURE Act's 10-year rule ✅ Why tax planning is not a "set it and forget it" decision and what to review every single year If you're 55 or older with a significant amount saved in a traditional IRA or 401(k), this episode is for you. -- Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4l6ORM9 📖 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.

    26 min

  4. MAR 1

    230. Retirement Taxes Explained: Pre-Tax Accounts, Roth Strategies, RMDs, and Social Security

    If retirement taxes feel confusing, you’re not alone. Pre-tax accounts, Roth accounts, required minimum distributions (RMDs), Social Security taxes—there are a lot of rules, and they don’t always work the way people expect. In this episode, we explain retirement taxes in plain language so you can understand how your accounts are taxed, why confusion is so common, and how planning ahead can create more clarity and control. Retirement taxes don’t have to feel overwhelming. Understanding how the rules work is the first step toward making more confident retirement decisions. -- Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4jJyPqK 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.

    26 min

  5. FEB 22

    229. The Hidden Crisis: Loneliness in Retirement, Loss of Purpose, and How to Reconnect

    When you think about retirement, what do you see yourself doing? A lot of people don't have an answer to that question, and that's where loneliness can start to creep in. This episode looks at the AARP 2025 loneliness survey, which found that 40% of adults over 45 report feeling lonely. That's the highest it's been since they started tracking this back in 2010. We talk about why loneliness often goes unrecognized, who it affects most, and how the transition to retirement can catch you off guard if you're not prepared for it. Planning for what you're actually going to do with your time matters just as much as planning your income. It's how you build connection, keep your sense of purpose, and protect your wellbeing as you move into this next phase. -- 🗓️ Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4tOhceb 📖 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/ AnnaMarie Morrow, Director of Medicare & Long-Term Care https://merkleretirementplanning.com/staff-members/annamarie-morrow/ 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.

    26 min

  6. FEB 15

    228. Do Roth Conversions Still Make Sense in 2026?

    A Roth conversion means paying taxes now instead of later, but is it the right move for your retirement? We'll explain exactly how Roth conversions work, walk through a $100k example that shows the actual tax impact over 25 years, and give you three critical questions to ask before you convert. Whether you're planning for retirement or already there, this episode can help you decide if a Roth conversion makes sense for you. -- Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4aAXuK7 📖 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.

    26 min

  7. FEB 8

    227. The 6 Components of a Retirement Plan (And Why It's Not Just Your 401(k))

    Most people think of their 401(k) as their retirement plan. Your 401(k) tells you your balance, but it doesn't answer the questions that actually matter: "When can I retire?" "How much can I safely spend each month?" "What about health insurance before age 65?" This episode breaks down what a comprehensive retirement plan looks like and why having it in writing changes everything. -- 🗓️ Ready to take the next step? Schedule a RetireReady Call at https://bit.ly/4amKhFu 📖 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.

    26 min

  8. FEB 1

    226. We Stress Test a $1 Million Retirement Plan

    A common saying is you need a million dollars for retirement, but what does that actually mean for you? In today's episode, you'll meet Tom and Sandy. They have $1 million saved for retirement at age 65, and in their first iteration of their plan, the money was going to run out at age 79. Instead of panicking or giving up on retirement, we tested different strategies to see what actually works for them. This is a hypothetical case study, but these are strategies to consider and test in your own retirement plan. These are the strategies we explore with pre-retirees everyday to help them confidently enter their next chapter. -- 🗓️ Ready to take the next step? Schedule your RetireReady Call at https://bit.ly/4pNZYKt 📖 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.

    26 min
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3.5
out of 5
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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
    252
  • Rating
    Clean
  • Copyright
    © Merkle Retirement Planning
  • Show Website
    Retiring Today

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