Secure Your Retirement

Radon Stancil, CFP® & Murs Tariq, CFP®
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Secure Your Retirement

Retirement is the plan. You worked hard to get where you are, now have a retirement that works hard for you. If you want to achieve… confidence, peace of mind, control of your future, a rock-solid income plan, financial freedom, and unrestricted options in retirement this show is the right one for you! Retirement is approaching and you can’t afford to make mistakes with your money. In the back of your mind, there are concerns about what happens if there is another financial downfall as you are getting closer to having the life you have always dreamed about. Radon Stancil, CFP®, and Murs Tariq, CFP® are dedicated to guiding you through knowing what questions to ask and what information to gather in order to feel 100% confident about your retirement plan. For more information visit: https://pomwealth.net/podcast

  1. 6 DAYS AGO

    Navigating Life After Losing a Spouse: Financial and Emotional Steps

    In this Episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss the difficult yet essential topic of navigating life after losing a spouse. They dive into critical financial and emotional steps to help widows and widowers during this challenging time. Losing a spouse is an emotional whirlwind, and the decisions that follow can feel overwhelming. However, with the right guidance and a structured approach, you can ensure a smoother transition.  Listen in to learn about the importance of having a comprehensive Checklist for Surviving Spouse, which includes financial advice, legal matters, and practical steps to take when a loved one dies. From understanding Social Security benefits to estate planning, Radon and Murs provide actionable insights to help you regain clarity and peace of mind during this life-altering period.  In this episode, find out:  How cash flow changes when a spouse passes and what to do about it. The importance of retitling accounts, understanding wills, and updating estate plans. Key considerations for Social Security survivor benefits and tax implications. Why it’s vital to locate all accounts, insurance policies, and passwords. How to adjust your retirement plan to reflect your new reality. Tweetable Quotes:  “Losing a spouse is overwhelming, but having a clear plan can turn chaos into clarity.” – Radon Stancil “Understanding your new financial picture is the first step to securing your future.” – Murs Tariq  Resources:  If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!  To access the course, simply visit POMWealth.net/podcast.

    18 min

  2. DEC 9

    How to Retire at 62 in 2026 With Peace of Mind

    In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss: How to build the foundational steps for retiring at age 62 and achieving peace of mind in retirement planning. They dive into the critical questions that need to be answered, the data required to assess retirement readiness, and the steps to create a retirement roadmap. With this episode as the first of a two-part series, Radon and Murs explain how understanding your financial situation and goals lays the groundwork for a secure retirement. Listen in to learn about:·      The key elements of a retirement-focused financial plan and how to gather the right data. ·      Why organizing your accounts and understanding assets is essential for retiring comfortably. ·      The importance of identifying income sources like Social Security, pensions, and other retirement accounts. ·      How to categorize your retirement expenses into essentials, wants, and legacy goals. ·      The role of regular plan monitoring to adapt and adjust your retirement roadmap over time. In this episode, find out:·      The initial steps to determine if retiring at age 62 is feasible. ·      How to use the Peace of Mind Pathway to clarify retirement goals. ·      The importance of understanding and organizing investment assets. ·      How to plan for retirement expenses, including big-ticket items. ·      Why estate planning and understanding liabilities are vital for retirement security. Tweetable Quotes:·      "Retirement planning is about aligning your ins and outs: what you’ve saved and what you’ll spend." – Radon Stancil ·      "Gathering the right data upfront is the foundation of any successful retirement plan." – Murs Tariq Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

    19 min

  3. DEC 2

    Nationwide Monument Advisor For Tax Planning Strategies in Retirement

    In this Episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss the Nationwide Monument Advisor, a unique variable annuity designed to optimize tax planning strategies for retirement. While variable annuities often have a negative reputation due to high fees and restrictions, this product offers a refreshing alternative with minimal costs and significant tax deferral benefits. Learn why Radon and Murs believe this tool can be a game-changer for individuals with non-qualified assets, such as brokerage accounts, who are looking to improve their tax strategies while planning for retirement. Listen in to learn about how the Nationwide Monument Advisor provides tax-efficient investment opportunities for individuals with non-IRA, non-401(k) assets. Radon and Murs break down the product’s mechanics, compare it to traditional variable annuities, and explain how it fits into a well-rounded retirement planning strategy. Whether you’re looking to manage brokerage account taxes, avoid capital gains, or simplify your tax return, this episode sheds light on how this tool can help secure your retirement. In this episode, find out:·      What makes the Nationwide Monument Advisor different from traditional variable annuities. ·      How tax deferral works and why it’s advantageous for non-qualified assets. ·      The importance of low costs in variable annuities and how this product excels. ·      The flexibility of liquidity options and absence of surrender charges. ·      How to leverage this product for retirement income planning and investment management. Tweetable Quotes:·      “The Nationwide Monument Advisor flips the script on variable annuities by offering a low-cost, tax-efficient way to manage non-IRA investments.” – Radon Stancil ·      “With tax deferral and no surrender charges, this product removes the barriers that hold many back from optimizing their brokerage accounts.” – Murs Tariq Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast

    16 min

  4. NOV 25

    The Four Phases Of Retirement

    In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the fascinating journey of transitioning into retirement with special guest Dr. Ridley Moynes, author of The Four Phases of Retirement. This episode dives deep into the emotional, mental, and financial aspects of retirement, addressing the critical question: "Is retirement only about money, or is there more to finding purpose in retirement?" Dr. Moynes shares the framework he developed after years of research and over 150 interviews, breaking down the stages of retirement that retirees commonly face. Whether you are planning retirement or already retired, this episode will equip you with insights to navigate these stages and achieve peace of mind. Listen in to learn about the emotional challenges many retirees encounter and how identifying your purpose can lead to fulfillment in this stage of life. Discover how the “Four Phases of Retirement” framework can help you plan for retirement beyond just finances and transition smoothly into a meaningful and joyful retirement life. In this episode, find out:·      What the Four Phases of Retirement are and how they apply to your journey. ·      Why emotional preparation is as important as financial planning steps. ·      How to avoid feeling lost and overcome the challenges of retirement. ·      The importance of finding purpose and creating a sense of fulfillment after retirement. ·      Practical tips for retiring comfortably and planning retirement with confidence. Tweetable Quotes:1.    “Retirement isn’t just about leaving work; it’s about finding a renewed purpose that makes you excited to get up each morning.” – Radon Stancil 2.    “The happiest retirees are those who commit to service—whether it’s mentoring, volunteering, or being the best grandparent they can be.” – Murs Tariq Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

    32 min

  5. NOV 18

    How Much Money Do I Need Saved to Spend 10,000 Per Month in Retirement?

    In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the question many retirees and pre-retirees ask: "How much money do I need saved to spend $10,000 per month in retirement?" This is a highly specific question that requires a tailored approach to retirement planning. Radon and Murs reverse engineer this scenario to illustrate how to plan effectively, considering factors like budgeting on Social Security, inflation, and market volatility. They share insights into how their firm uses personalized retirement planning to provide peace of mind and ensure you can retire comfortably without worrying about running out of money. Listen in to learn about the importance of understanding rules of thumb, like the 4% rule for retirement, while also acknowledging their limitations. Radon and Murs explain the concept of sequence of returns risk and how strategies like dividing assets into growth and safety buckets can help mitigate risks. They also emphasize the need to factor in inflation and longevity when determining whether your retirement savings are sufficient for your desired lifestyle. In this episode, find out:·      The relevance of the 4% rule and its application to budgeting on Social Security. ·      How inflation and market volatility impact retirement income strategies. ·      Why personalized retirement planning is essential for financial security. ·      The role of growth and safety buckets in combating sequence of returns risk. ·      What to consider when deciding to retire and ensuring a smooth transition. Tweetable Quotes:·      “Retirement planning isn’t about simple math—it’s about creating a personalized strategy that gives you peace of mind.” – Radon Stancil ·      “Sequence of returns risk can derail a retirement plan, but strategies like safety and growth buckets provide stability and confidence.” – Murs Tariq Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

    21 min

  6. NOV 11

    Annuities in Retirement as an Asset Class

    In this episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss the often-overlooked potential of annuities as a vital component of retirement portfolios. While traditionally, retirement planning relies on the 60/40 portfolio split between equities and bonds, Radon and Murs explore a fresh approach suited to today’s financial landscape. With fluctuating interest rates and persistent market volatility, it’s essential to consider alternatives like fixed index annuities to help manage stock market risk and secure retirement income. Listen in to learn about the unique benefits of using annuities as an asset class and why they may serve as a better alternative to bonds for certain retirement income strategies. They discuss the challenges in bond markets, especially in today’s economy, and explain how fixed index annuities could offer more stability and potentially higher returns. Whether you’re seeking to reduce risk exposure or establish a more predictable retirement income stream, this episode provides valuable insights for a comfortable and secure retirement. In this episode, find out: ·      Why the traditional 60/40 portfolio may not be ideal for today’s retirees ·      The impact of rising interest rates on bond volatility and retirement planning ·      How fixed index annuities can complement stock market investments ·      The pros and cons of using annuities to manage stock market risk ·      Practical steps to incorporate annuities as part of your retirement checklist Tweetable Quotes: ·      "The old way of using bonds for stability is worth re-evaluating—annuities could provide the alternative you need." – Radon Stancil ·      "Fixed index annuities can offer income stability without the bond market's volatility." – Murs Tariq Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

    19 min

  7. NOV 4

    Estate Planning 101 - The Importance of a Letter to Your Heirs in Retirement

    In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss the often overlooked but crucial topic of creating a letter to your heirs. This letter serves as an essential supplement to your estate planning documents and plays a significant role in ensuring a smooth transition for your loved ones. The episode highlights how this thoughtful approach can simplify the process, ease emotional stress, and transfer the peace of mind you’ve enjoyed during your retirement planning to your heirs. Listen in to learn about why a letter to your heirs is more than just a nice gesture—it's a critical tool in estate planning. Radon and Murs delve into the specifics of what such a letter should include and the ways it complements other estate documents like wills and trusts. They also share personal stories of how a well-prepared letter can make a significant difference during challenging times. In this episode, find out:·      Why a letter to your heirs is essential to estate planning. ·      How this letter can simplify the process for your executor or trustee. ·      What key details to include in your letter to create clarity. ·      The importance of avoiding quick decisions on inheritance. ·      How to ensure peace of mind is passed along to the next generation. Tweetable Quotes:·      “A letter to your heirs is not just a courtesy; it’s a vital part of estate planning that provides peace of mind and clarity.” - Radon Stancil ·      “This letter simplifies the emotional and logistical challenges for your loved ones, allowing them to navigate your estate with confidence.” - Murs Tariq Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

    15 min

  8. OCT 28

    Medicare AEP in Retirement - 5 Things You Need to Know

    In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the critical aspects of the Medicare Annual Enrollment Period (AEP) with Medicare Specialist, Shawn Southard. As we dive into Medicare AEP 2024, they explore why reviewing your current plan is crucial and how it may impact your healthcare costs, coverage, and provider networks. Whether you're already enrolled in Medicare or preparing to enroll, knowing the key changes and updates for 2025 is essential to make informed decisions. Shawn provides actionable Medicare enrollment tips that could save you money and ensure you have the right coverage for your needs. Listen in to learn about the important factors to consider during Medicare AEP 2025, including the upcoming changes in prescription drug coverage, plan premiums, and benefits. Shawn also sheds light on how to evaluate your maximum out-of-pocket costs and the importance of checking provider networks and extra benefits offered by Medicare Advantage plans. Don’t miss out on these essential retirement planning insights to secure your healthcare in retirement. In this episode, find out: ·      Why you need to review your current Medicare coverage annually. ·      How changes in premiums, co-pays, and maximum out-of-pocket costs can affect you. ·      The importance of evaluating extra benefits like dental, vision, and fitness programs. ·      How to ensure your providers are in-network for the upcoming year. ·      Key changes in prescription drug coverage and what they mean for you in 2025. Tweetable Quotes: ·      "What worked for you last year may not be the best fit for next year. It’s essential to review your Medicare plan annually." — Shawn Southard ·      "Medicare AEP is the time to reassess, compare, and make sure your coverage is still serving you in the best way possible." — Radon Stancil Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.

    20 min
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5
out of 5
235 Ratings

About

Retirement is the plan. You worked hard to get where you are, now have a retirement that works hard for you. If you want to achieve… confidence, peace of mind, control of your future, a rock-solid income plan, financial freedom, and unrestricted options in retirement this show is the right one for you! Retirement is approaching and you can’t afford to make mistakes with your money. In the back of your mind, there are concerns about what happens if there is another financial downfall as you are getting closer to having the life you have always dreamed about. Radon Stancil, CFP®, and Murs Tariq, CFP® are dedicated to guiding you through knowing what questions to ask and what information to gather in order to feel 100% confident about your retirement plan. For more information visit: https://pomwealth.net/podcast

Information

  • Creator
    Radon Stancil, CFP® & Murs Tariq, CFP®
  • Years Active
    2020 - 2024
  • Episodes
    293
  • Rating
    Clean
  • Copyright
    © Copyright 2024 Radon Stancil, CFP® & Murs Tariq, CFP®

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