In this episode, Frank and Frankie discuss the complexities of Social Security and the role of 401k in retirement planning. It explores the decision of when to claim Social Security benefits and the potential strategy of using a 401k as a bridge. Also, hear about the importance of understanding the rules and options of Social Security and the need to consider factors such as age, spouse's age, income, and your investment portfolio. Connect with the team at A Better Way Financial  to start developing your income plan in retirement today! CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

Preparing for your financial future requires careful planning and consideration of various factors, such as income planning. Annuities can be a valuable tool for income, but it’s important to understand the different types and how they work. In this episode, Frank and Frankie discuss the misconceptions surrounding annuities and highlight the various parts of a retirement plan, including income, taxes and investment strategies. Connect with the team at A Better Way Financial  to start developing your income plan in retirement today! CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

Schwab says that people need $1.8 Million in savings in order to retire. But is it still possible to retire with less than that and even less than $1 Million? In this episode, Frank and Frankie discuss the different factors retirees need to consider rather than just looking at what they've saved for retirement. Connect with the team at A Better Way Financial  to start developing your income plan in retirement today! Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

401(k)s and IRAs are popular retirement savings tools. But it's important to understand their rules and implications, such as how required minimum distributions (RMDs) play a factor into your overall retirement plan. In this episode, Frank and Frankie discuss how Roth conversions can be a beneficial strategy to minimize taxes in retirement, and how proactive tax planning may result in savings over a retiree's lifetime. Connect with the team at A Better Way Financial  to see if a Roth conversion is right for you! CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

Don't try to time the market. Instead, focus on long-term investing strategies. Frank and Frankie discuss the parallels between trying to win the lottery and predicting market behaviors. Also on this episode, hear why creating a financial plan can ease the transition into retirement and why tax planning is an essential part in maximizing income. Connect with the team at A Better Way Financial to start building your financial plan! Read Our Book! Amazon Best Seller, "The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams."

The word “retirement” can get people emotional and concerned when thinking about money and their future. Money blogger J.L Collins emphasizes that a better way to think about retirement is achieving financial independence, which gives people more options to live how they want to after their working years. On this episode, Frank and Frankie discuss the key differences between needing to work and wanting to work. Hear about the importance of still finding purpose in your retirement years. Connect with the team at A Better Way Financial  to start building your financial plan! CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

Just because you retire, doesn’t mean you pay less taxes. Ron Swanson from “Parks and Recreation” explains to a young girl how taxes work by eating most of her lunch. But how much of your “lunch” is eaten by Uncle Sam when you enter retirement? On this episode, Frank and Frankie discuss Roth conversion strategies to create a tax-friendly retirement plan. Connect with the team at A Better Way Financial  to start building a plan for yourself and your loved ones. CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

It’s estimated that more than half of parents with adult children have given them financial help in the past year. For a third of those parents, it ended up hurting their own finances, including their retirement savings. On this episode, Frank and Frankie Guida (Father-son team of financial advisors) discuss the delicate balance between helping family and protecting your future. Listen to their ideas on balancing family needs with your financial goals, plus strategies to help maximize your retirement savings. Connect with the team at A Better Way Financial  to start building a plan for yourself and your loved ones. CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

With nearly 11,000 baby boomers retiring daily, the landscape for small businesses and personal finances is shifting. On this episode, Frankie Guida speaks from personal perspective, as he works with his father at A Better Way Financial with the plan to take over the family business himself one day. However, many Boomers who own businesses are struggling to figure out what to do with their companies when their children do not want to take over. Frankie shares ideas on succession planning for family-owned businesses, especially when retirement funds are tied to the sale of the business, plus strategies to minimize taxes on business sales and effectively manage the transition to retirement. Ready to sell your small business? Connect with the team at A Better Way Financial  to begin your retirement transition plan today. CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

There are 100,000 pages in the tax code, and it’s up to you to figure out the best moves while staying within the law! But tax woes don’t end when you get to retirement. In fact, without a proper tax plan, taxes can be a major drain on your savings. On this episode, Certified Financial Planner Frankie Guida shares strategies you may be able to utilize in effort to reduce your taxes in retirement. Learn about the hidden tax traps that may be lurking in your plan, how to leverage tax-advantaged accounts like Roth IRAs and 401(k)s, and strategies to help reduce your taxable income in retirement. Visit A Better Way Financial.com and get to work on creating a tax efficient retirement plan. CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

As the Government works to reduce ‘junk fees’ for college students hidden in their tuition costs, at A Better Way Financial they work daily to uncover the fees often hidden in retirement accounts. On this episode, Frank and Frankie point out the common fees that may be silently eroding your retirement savings and why fee transparency matters. From reducing taxes to uncovering the true cost of your 401K, they share insight on how ignoring these areas could end up costing you thousands. Learn ideas to improve your portfolio efficiency. Visit A Better Way Financial.com for your complementary portfolio x-ray. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

How much is your 401(k) costing you? On this episode, Frank and Frankie, father-son duo of financial advisors and retirement planners, dive into the often-overlooked aspect of retirement planning: fees. We hear from financial strategist Tony Robbins who does the math to exemplify the hundreds of thousands many Americans are losing from their accounts over their lifetime… and they don’t even know it. At A Better Way Financial, they work to shed light on the significant impact that fees can have on your 401K and overall retirement savings and explain the importance of transparency that they have with each of their clients. Find the fees that may be hiding in your account! Visit A Better Way Financial.com for your complementary Fee X-ray. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

Join Frank and Frankie as they kick off 2024 by discussing New Year's resolutions and, most importantly, how to make your financial goals a reality. Learn the importance of planning for retirement and their belief on why improving your finances is an easier resolution to keep than one that focuses on getting fit and losing weight.  A simple phone call and gathering your financial statements can set you on the right path! Explore strategies for maximizing Social Security benefits, optimizing investments, and significantly reducing fees. Uncover ways to save on taxes to ultimately provide more income in retirement. If your New Year's resolution involves securing your financial future, visit A Better Way Financial.com and get started today. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

It’s been four years since Congress passed Secure 1.0 which allows companies to offer annuities within 401(k)s. Still, there have been few adopters despite research showing strong interest. Frank and Frankie dive into the often-misunderstood world of annuities and their potential place in your retirement plan. They share insight on how a strategic switch in annuities could provide you extra income in retirement and how, at A Better Way Financial, they help clients optimize their retirement savings through tax planning like Roth conversions and distribution strategies. If you're seeking ideas to maximize retirement income and reduce future taxes, visit A Better Way Financial.com and get started today. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

Frank and Frankie dive into the realm of Roth conversions and year-end tax strategies, sharing their personal experiences on how these types of efforts can benefit retirement plans. Discover how converting your pre-tax accounts to after-tax Roth accounts could help transform your financial landscape. Whether you're approaching retirement or already reveling in it, this episode breaks down the opportunities and benefits of strategic tax planning. Unwrap the gift of financial wisdom! Visit A Better Way Financial.com and begin your planning today. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

In this episode, Frank and Frankie address the recent controversial statement made by personal finance guru, Dave Ramsey, recommending that retirees can stay 100% invested in stocks and withdraw 8% annually, with no worries. We address the flaws in this suggestion and urge caution against relying on high average returns without accounting for market volatility. If you're navigating the complexities of retirement planning and want to understand the potential risks and rewards of various strategies, visit A Better Way Financial.com to begin your journey toward a well-informed retirement future. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

Retiring early can be alluring, but it comes with its unique set of challenges. On this episode, Frank and Frankie explore the nuances of early retirement and why it requires meticulous planning and strategic financial decisions. They point out challenges faced by those contemplating early retirement, from choosing the right pension option to making informed decisions about Social Security. Breaking down essential elements like addressing inflation, optimizing Social Security benefits, managing investment risks, and optimizing portfolios for tax savings, they reveal how careful planning can make early retirement not just a dream, but a reality. If you're intrigued by the idea of retiring early, visit A Better Way Financial.com to start your plan! Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

Recently, The Wall Street Journal echoed what many have been feeling: the 60-40 portfolio mix is failing, not just because of the "riskier" stocks…but because bonds have taken serious hits in the last few years. In this episode, Frank and Frankie challenge traditional financial wisdom and delve into the pitfalls of “old financial rules.” There are many different investment blend opportunities available to retirees and pre-retirees. Alternatives like fixed indexed annuities may offer more stability. Combined with savvy tax strategies, you could potentially increase your annual retirement income by thousands. If you're seeking help in navigating market uncertainties, minimizing taxes, while creating viable retirement income streams, visit A Better Way Financial.com to begin tailoring your financial future. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

New inflation numbers came in lower than expected. October's Consumer Price Index was 3.2%, down from September’s 3.7% and the core CPI (which excludes food and energy prices) dropped one-tenth to 4.0%. Still, the numbers are higher than the Fed’s goal of 2%. And even though it recently passed on raising interest rates again, the Fed vows to continue its fight. On this episode Frank and Frankie Guida delve into the impact of inflation on not just your holiday budget, but your retirement portfolio for all Thanksgivings still to come. We hear from Shark Tank's Kevin O'Leary who says where he thinks the Fed may go, sparking a conversation on the crucial necessity to incorporate inflation into your financial plan. Learn how proper planning, with things like lower risk investments, may help ensure your income not only meets today's needs but grows with you over time. Visit A Better Way Financial.com to start your journey to a better financial future. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

On this episode of A Better Way Financial, we discuss the lessons you can learn from Gen Z. Often underestimated, this group of young workers is already excelling in retirement savings, reiterating the importance of longevity planning. Frank and Frankie also discuss other misconceptions around retirement expenses, revealing how taxes usually top the list, and the common mistake of miscalculating the true impact of inflation. Connect with the team atA Better Way Financial.com to learn more about tax saving strategies, maximizing Social Security benefits and other important, actionable steps to take towards a better financial future. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

It’s time to start taking your RMDs (Required Minimum Distributions) but you don’t need the money…In this episode, Frank and Frankie Guida explore the strategies you may be able to utilize. Charitable giving through QCDs (Qualified Charitable Distributions), Roth conversions, or using the funds for long term care may all be options within your plan. Additionally, Frank and Frankie stress the significance of optimizing your entire financial plan, including lowering risk, reducing costs, and planning for taxes all to help enhance your retirement experience. Connect with the team at A Better Way Financial.com to learn more about these strategies. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

Recent history has shown that markets have a track record of mostly absorbing geopolitical conflicts. But there could be another impact when it comes to interest rates. In this episode, Frank and Frankie dive into the financial implications of these kinds of events, bond market turbulence, and tax planning for the upcoming year emphasizing the importance of balancing added safety and reasonable returns in your investment portfolio, especially if you're a retiree or close to retirement. They discuss how rising interest rates have impacted the bond market and why bonds may not be your best option anymore while revealing possible alternative investment strategies. In retirement, you need a proactive planner who can help you navigate changing tax laws and market conditions. Connect with the team atA Better Way Financial.com for a second opinion on your plan. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

You may have a financial advisor whom you love…but are you getting the service you need for retirement? In this episode, Frank and Frankie share their experience in handling the delicate conversations involved with financial and retirement planning, and why you may need a second opinion on your retirement plan. Many individuals work with financial advisors during their accumulation years, but as retirement approaches, the financial landscape changes significantly. Decisions around Social Security, pension options, income strategies and tax and legacy planning become critical, and not all advisors are equipped to handle these unique challenges that retirement brings. A retirement-focused advisor can help navigate this very different financial terrain to show you what options you may have. If you're approaching retirement, connect with the team at A Better Way Financial.com for a second opinion on your plan. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

There’s speculation that Alabama’s head football coach, Nick Saban, may be thinking about retiring. But no matter what your occupation, knowing when to retire is a significant, and often challenging, decision.  With 38 years of experience in his field, financial advisor and retirement planner, Frank Guida, understands the importance of working because you want to, not because you have to… In this episode, Frank and his son and fellow advisor, Frankie Guida, share insight on how they help clients prepare so that they’re ready when the time comes to leave the 9 to 5 behind. Breaking down critical elements of retirement planning (creating a financial plan, managing your funds, tax planning, Social Security, and investment strategies) the team at A Better Way Financial knows that a successful retirement starts with having a gameplan in place. Don't wait. Go to A Better Way Financial.com and get started creating a plan customized to your retirement goals. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” #retirementplanning #stockmarket #risktolerance #taxplanningforretirement #retirementtaxplanning #estateplanning #financialservices #financialplanning #money #personalfinance #retirement #investing #savings #RetirementSavings #TaxPlanning #NickSaban #SocialSecurity #InvestmentStrategies #EstatePlanning #TaxEfficiency #FinancialFreedom #FinancialSecurity #401k #RothConversion #TaxSavings #RetirementIncome #FinancialPlanning #TaxStrategies #financialplanner #financialliteracy #wealth #ABetterWayFinancial #fyp #podcast #Allentown #Pennsylvania

The stock market can be a great place to grow your wealth, but it comes with volatility and a big market crash could wipe out a significant portion of your retirement savings. Meanwhile, the threat of future tax hikes could have a big effect on your tax-deferred IRA and 401(k). In this episode, Frank and Frankie delve into the downsides of relying solely on your 401(k) while exploring options you may have to your financial outlook. Learn how in-service distributions and Roth conversions might be game changers as you approach retirement. If you're looking to maximize your retirement savings, and minimize taxes, within a personalized financial and retirement plan, visit A Better Way Financial.com to get started. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” #retirementplanning #marketcrash #stockmarket #risktolerance #taxplanningforretirement #retirementtaxplanning #estateplanning #financialservices #financialplanning #money #personalfinance #retirement #investing #savings #RetirementSavings #TaxPlanning #FinancialSecurity #401k #RothConversion #InServiceDistribution #MarketDownturns #TaxSavings #RetirementIncome #FinancialPlanning #TaxStrategies #financialplanner #financialliteracy #wealth #ABetterWayFinancial #fyp #podcast #Allentown #Pennsylvania

Americans are retiring earlier than they had expected. On average, they initially thought they’d retire at age 63, but instead have left the workforce at 61 and a half.  While it should be a time to relax and enjoy the fruits of your labor, if you're not careful you could run out of money. In this episode, Frank and Frankie share ideas on how to retire early without running out of money. They discuss a variety of topics, including: Choosing the right pension option for you When to start taking Social Security Planning for taxes in retirement Monitoring your plan to keep it on track Thinking about retiring early? Visit A Better Way Financial.com to start building your plan. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” #ABetterWayFinancial #RetirementSavings #FinancialPlanning #BabyBoomers #RiskTolerance #TaxStrategies #RetirementIncome #RetirementPlanning #EarlyRetirement #FinancialFuture #PortfolioManagement #FinancialSecurity #PensionOptions #SocialSecurity #TaxSavings #InvestmentStrategies #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #Allentown #Pennsylvania

Ten years ago, 60 Minutes interviewed financial planner Brooks Hamilton who raised concerns about the quality of mutual funds in 401(k) plans. Recently the clip has seen new life online with many asking, “Have things improved since then?” In this episode, Frank and Frankie break down some key changes in 401(k) plans, including the rise of Roth 401(k) options and their potential benefits for tax-free retirement income. They emphasize the significance of employer matches and discuss strategies for minimizing taxes on your retirement savings. Learn about the advantages of in-service distributions once you reach age 59½ and how doing them might expand your investment options. Learn about the pitfalls of certain target retirement funds and explore alternatives for a balanced portfolio. If you're looking to boost your retirement savings, minimize taxes, and secure your financial future, visit A Better Way Financial.com to start the conversation about your retirement plan today. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” #ABetterWayFinancial #RetirementSavings #FinancialPlanning #BabyBoomers #Retirement #RiskTolerance #PortfolioDiversification #60Minutes #401k #401kPlans #RetirementPlanning #Roth401k #TaxStrategies #MutualFunds #TargetRetirementFunds #InServiceDistributions #RetirementIncome #PortfolioOptimization #MarketDownturns #FinancialFuture #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #Allentown #Pennsylvania

Baby boomers have an enduring love affair with the stock market. While the allure of double-digit returns is undeniable, is it wise to remain heavily invested in stocks as retirement approaches? On this episode of A Better Way Financial, financial advisors and father-son team Frank and Frankie Guida discuss the importance of finding a balance between market exposure and financial security in your retirement plan. They break down some of the risks of maintaining a stock-heavy portfolio in retirement and share strategies for transitioning to a more diversified approach to help increase safety. Ready to learn ways to reduce your risk in retirement? Connect with the team at A Better Way Financial.com. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” #StockAddiction #BabyBoomerStocks #RetirementPortfolio #StockMarketRisks #DiversifiedPortfolio #RetirementPlanningStrategies #MinimizingTaxes #MarketExposure #ABetterWayFinancial #RetirementSavings #OptimizingRetirement #FinancialInsights #FinancialPlanning #StockMarketInvestment #FinancialStrategies #BabyBoomers #Stocks #Retirement #RiskTolerance #PortfolioDiversification #TaxPlanning #WallStreetJournal

On this episode, financial advisors and retirement planners Frank and Frankie Guida discuss the importance of having the right attitude when it comes to retirement planning. They share the story of a 100-year-old woman who credits her positivity for her long life and explain how a positive attitude can help you overcome challenges and achieve your financial goals. Discover secrets to preparing for retirement with optimism and confidence. From leveraging market-savvy investments to tax-efficient planning, learn insight that can revolutionize your financial outlook and how attitude impacts not only your wellbeing but also your financial journey. Ready to take control of your financial future? Visit A Better Way Financial.com Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” #reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #wealth #fyp #podcast #financialplanning #taxplanning #retirementregrets #retirementplanning #retirementplanningstrategies #inflationprotection #retirementpreparation #avoidingfinancialregrets #retirementpitfalls #socialsecurityoptimization #taxefficientretirement #ABetterWayFinancial #FinancialFuture #PositiveAttitude #FinancialStrategies #TaxEfficientPlanning #Mildred Kirschenbaum #FinancialAttitude #FinancialHappiness

A recent survey found that more than half of retirees said they’d go back and plan their retirement differently if they could. 63% regretted not including investments that provided a steady income stream, saying they’d like to receive an ‘automatic paycheck.’ On this episode, financial advisors and retirement planners Frank and Frankie Guida share their ideas and ways they help clients avoid this want for a “do-over.”  Discover the importance of building a secure nest egg, creating a steady income stream, and preparing for unexpected events like inflation and market volatility. With the retirement landscape rapidly evolving, the need for strategic financial planning is more crucial than ever. Join us as we explore how to avoid these pitfalls and optimize your retirement journey. The team at A Better Way Financial works to shed light on the advantages of proactive retirement planning, including safeguarding your portfolio against market crashes, optimizing Social Security income, reducing tax burdens, and creating pension-like income. Learn from a real-life case study of a couple in their late 60s who turned their retirement around through effective financial planning. Find ways to help secure your financial future. Connect with the team at A Better Way Financial for a comprehensive retirement plan and review. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” #reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #fall #financialplanning #taxplanning #retirementregrets #retirementplanning #retirementplanningstrategies #inflationprotection #retirementpreparation #avoidingfinancialregrets #retirementpitfalls #socialsecurityoptimization #taxefficientretirement #ABetterWayFinancial

On this episode Frankie Guida shares the strategies they use at A Better Way Financial to help clients add more security into their financial futures. With fall marking a critical time for financial planning, they delve into the challenges of an aging advisor landscape and the need for generational expertise. Learn the importance of having a financial advisor who will be with you through retirement and beyond, while providing you with a comprehensive plan that covers investments, income planning, tax optimization, and more. Discover how the team at A Better Way Financial, with decades of experience and a multi-generational approach, can help you navigate the complexities of retirement planning. Don't miss out on valuable insights and actionable tips for a financially secure retirement journey. Looking for more financial guidance? Connect with the team at A Better Way Financial for a comprehensive retirement plan and review. Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” #reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #fall #financialplanning #taxplanning

Many people dream and plan for the perfect wedding day. Still, disasters can and do happen… as proven by the laundry list of wedding day errors for this one bride. But a wedding is usually just one day in life. Your retirement might also not go as planned. Unexpected events or changes in circumstances can happen, and without a proper plan, cause much financial strife. On this episode, financial advisors and retirement planners Frank and Frankie Guida talk about how the team at A Better Way Financial helps their clients plan for the unexpected and adapt to new situations, so that their retirement is not derailed. First, you must have a plan. Then, you need to test that plan. Moving forward, you need to regularly review and update according to external factors like tax law changes, Social Security changes, market fluctuations, health care and family needs, etc. It’s critical to not only have a financial plan, but to continually update it to reflect on how major life changes could affect you and build guardrails to prevent you from running out of money. If you are near or in retirement, and you don’t have a financial plan, or you have a plan that needs to be updated due to market changes or life events Connect with the team at A Better Way Financial for a comprehensive retirement and tax plan review. Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” #taxes #socialsecurity #reitrementincome #Pennsylvania #Allentown #retirement #financialplanner #financialliteracy #wealth #fyp #podcast

During his recent trip to Nashville, financial advisor & retirement planner Frank Guida sat down for a great conversation with Candace Owens, American conservative political commentator, author, activist, and television presenter. Connect with the team at A Better Way Financial for a comprehensive retirement and tax plan review. Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

A recent Gallup poll found that 51% of respondents feel their income taxes were not fair.  That’s the highest number in two decades and this survey doesn’t take into account that the Trump Tax Cuts will expire at the end of 2025. Very often, taxes are the biggest expense in someone’s retirement. Without a written tax plan, within your overall retirement plan, you could pay thousands more in taxes than necessary. On this episode, financial advisors, retirement planners and father-son duo Frank and Frankie Guida share ideas on how you may be able to take advantage of this time by doing your long-term tax planning now. The team at A Better Way Financial can show you how utilizing tools like Roth conversions, suitable market strategies, and proper insurance products may position you to pay less taxes in retirement. Learn what tax strategies may work within your financial plan. Connect with the team at A Better Way Financial for a comprehensive retirement and tax plan review. Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

This week we revisit Frankie’s conversation with Country Music Superstar Jason Aldean about life on the road, staying motivated, and what Jason loves about Country Music. Connect at ABetterWayFinancial.com.

Over 90% of financial advisors last only 3 years in the business. Some common reasons for quitting include a lack of fulfillment, difficulty finding clients, and burnout. But financial advisor and retirement planner Frank Guida has been in the business for almost 4 decades! On this episode, he shares his thoughts on why so many fail as an advisor due to the high demands of working at big financial institutions, how he’s withstood the test of time, and what that experience brings to the table. A Better Way Financial is a family-owned business where Frank and his son Frankie Guida work together, alongside their entire team, to create customized plans for each one of their clients and treat every individual they meet like family. If you need a financial plan and guideline that lays out when to turn on Social Security, how to get reasonable returns without excess risk, while lowering your fees and future taxes, connect with the team at A Better Way Financial for a comprehensive financial plan review. Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

Your family’s health history is just one factor in your longevity risk, but how can you calculate and plan for it? On this episode, we hear comedian Nate Bargatze’s thoughts on getting his own family health history which reminds us that it’s not so simple. Financial advisors and retirement planners Frank and Frankie Guida have a unique perspective on the family dynamic since they are a farther-son team. At A Better Way Financial they preach the importance of figuring longevity into your retirement plan, because you don’t want to run out of money! If you’re looking to retire or you're already retired and don’t have a detailed financial plan showing how to optimize your savings and investments so you get the most income from your portfolio while not taking unnecessary risk or paying more taxes than you have to, connect with the team at A Better Way Financial for a comprehensive financial plan review. Be sure to read our book, Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

It’s the question most retirees ponder. For a long time, many have subscribed to the “4% Rule” but a columnist in the Wall Street Journal has his own that he calls the “$400 Rule.” He says you’ll spend about $400 each month in retirement above and beyond what you think you’ll spend.  On this episode, financial advisor and retirement planner Frankie Guida explains how at A Better Way Financial not only can they do the math to help ensure your expenses are covered, they also factor in potential recurring, inadvertent expenses that you may forget to include. They build retirement plans equipped with income streams that factor in things like taxes, inflation, and other variables. They also explain how turning on your Social Security at the right time, setting up investments and taking income properly, and doing tax planning may allow you to live on more income than you had planned without having to save more or winning the lottery. A simple repositioning of the funds you already have could allow you to live an even bigger retirement than you’d dreamed! Do you know how much money you can live on for the rest of your retirement? Are you leaving tens of thousands of dollars on the table? Connect with the team at A Better Way Financial to find out how much income you can live on for the rest of your life going up with inflation. Don’t forget to check out our book: Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.”

The Federal Reserve has paused interest rate hikes for now but hasn’t ruled out another increase down the road if inflation remains stubborn. Still, economist Paul McCully remains optimistic that we won’t see a recession. Financial advisors and retirement planners, Frank and Frankie Guida point out that there will always be people on both sides of the spectrum when forecasting our economic future. This is why the entire team at ABetterWayFinancial works to help their clients build customized plans to weather whatever financial storm may come their way and can help you as well. Connect at ABetterWayFinancial.com.

You think that when you’re boarding a plane it’s been thoroughly cleaned, but one former flight attendant says to think again! Financial advisors and retirement planners, Frank and Frankie Guida point out how the same could be said for your retirement savings. It’s a matter of looking for the dirt where you didn’t know it hides in places like: Low returns Unnecessary risk Exorbitant fees Paying too much in taxes Connect with the team at ABetterWayFinancial.com for a portfolio review to ensure you don’t have hidden dirt in your accounts.

If you already have a financial advisor but feel like they’re missing something, take action and get a second opinion on your retirement savings. In this episode, financial advisors and retirement planners Frank and Frankie Guida share what the experience of a second opinion is like for retirees who come to their office. If you have questions about Social Security, tax planning, income streams, and health and medical coverage for your retirement, begin your conversation with the team at ABetterWayFinancial.com.

Problems that often hide “under the hood” of retirement portfolios. Connect at ABetterWayFinancial.com. #Pennsylvania #Retirement

We’re using the internet to self-diagnose medical concerns and are doing the same with retirement planning. Frank and Frankie point out benefits of working with a professional. Connect at ABetterWayFinancial.com.

Risk is a part of retirement planning, but you can mitigate it and make necessary adjustments for your retirement. Connect at ABetterWayFinancial.com.

The recent failures of some smaller regional banks have many savers asking, “Is my money safe?” Connect at ABetterWayFinancial.com.

A recent article lists the “worst mistakes” people make when withdrawing from retirement accounts. Frank and Frankie point out that the optimal sequence is different for everyone. Connect at ABetterWayFinancial.com.

With Jason Aldean’s Highway Desperado Tour Announcement, we revisit Frankie’s conversation with the Country Music Superstar about life on the road, staying motivated, and what Jason loves about Country Music. Connect at ABetterWayFinancial.com.

Financial experts are calling for bubbles, but are they champagne or Alka-Seltzer? Frank and Frankie talk about sifting through varying opinions to find your “happy place.” Connect at ABetterWayFinancial.com.

60% of U.S. adults experience anxiety just thinking about their finances. Frank and Frankie share ways to build a plan and alleviate your worries. Connect at ABetterWayFinancial.com.

IRA’s, Pensions, Social Security – A reason taxes are so complicated is because there are so many incomes that can be taxed. The Guida’s share options to reduce your obligations. Connect at ABetterWayFinancial.com.