The conversation explores the multifaceted aspects of retirement, emphasizing the transition from a structured work life to a more flexible but uncertain financial landscape. It discusses the importance of financial planning, understanding withdrawal rates, and the emotional challenges of losing a paycheck. The speakers highlight the need for effective communication in retirement planning and the significance of finding purpose and identity after leaving the workforce. They also address the financial challenges retirees face and the strategies to navigate them successfully. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason and Chae Kyle discuss the complexities of retirement planning, emphasizing the importance of understanding one's financial needs, budgeting, and the psychological aspects of money management. They explore the limitations of Social Security, the critical errors in retirement planning, and draw historical parallels to modern financial strategies. The conversation highlights the necessity of protecting one's investments and preparing for future uncertainties, while also addressing the emotional challenges that come with financial planning. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal and Chae delve into behavioral finance, exploring how emotions, biases, and cognitive limitations influence financial decisions, particularly as individuals approach retirement. The discussion emphasizes the importance of financial education, the need for effective financial planning, and the role of discovery in understanding clients' financial goals. Additionally, military principles are applied to financial planning, highlighting the necessity of having a solid plan, conducting thorough research, and ensuring security in financial decisions. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason and Chae Kyle discuss the financial landscape for Baby Boomers, who collectively hold a significant amount of wealth. They explore strategies for preserving this wealth, including tax-efficient methods and the use of life insurance. The conversation also delves into the risks associated with longevity and the importance of structured income planning to ensure financial stability in retirement. The hosts emphasize the need for proper planning to avoid unnecessary taxes and to prepare for potential long-term care needs. Throughout the conversation, the hosts provide insights into navigating retirement questions and concerns, highlighting the importance of professional guidance in financial decision-making.  Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason and Chae Kyle discuss the feasibility of retiring in three years or less, emphasizing the importance of financial planning, cash flow management, and understanding health insurance costs. They highlight the need for discipline in saving and investing, strategies for maximizing retirement accounts, and the significance of managing debt. The conversation also touches on social security strategies and the value of having a financial coach to guide individuals through the retirement planning process. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason and Chae Kyle cover significant upcoming changes in retirement planning, particularly focusing on 401k plans and Roth contributions. The hosts discuss the benefits of these changes, especially for those nearing retirement, and emphasize the importance of strategic tax planning. They also introduce the concept of Qualified Longevity Annuity Contracts (QLACs) and the implications of Required Minimum Distributions (RMDs). The discussion transitions to a tribute to Veterans Day, drawing parallels between military service and financial planning strategies. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason and Chae Kyle discuss the essential strategies for wealth preservation and financial planning. They emphasize the importance of creating a comprehensive financial plan, maintaining cash reserves, minimizing taxes, and establishing a solid estate plan. The discussion also highlights the significance of diversification in asset management and the role of insurance in protecting wealth. Ultimately, they stress the value of partnering with financial professionals to navigate these complex areas effectively. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason and Chae Kyle discuss the realities of retirement, emphasizing the importance of financial planning, understanding social security, and maintaining health as key components to a successful retirement. They address common concerns such as market volatility and inflation, while also highlighting the significance of having a solid financial plan and avoiding common mistakes. The discussion underscores the need for ongoing financial guidance and the importance of being proactive in managing one's financial future. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason and Chae discuss the realities of retirement planning, highlighting common mistakes retirees make, such as underestimating expenses and failing to account for healthcare costs. They emphasize the importance of maximizing social security benefits and having a solid tax strategy. The conversation also touches on learning from financial criminals and understanding investment risks, providing valuable insights for listeners to better prepare for their retirement. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason and Chae Kyle creatively explore retirement planning through the lens of Halloween candy, drawing parallels between popular sweets and essential financial strategies. They discuss the importance of diversification, multiple income streams, and long-term planning, while also addressing the challenges many Americans face in saving for retirement. The discussion also highlights the significance of annuities and the need for a comprehensive financial review to ensure a secure retirement. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal and Chae creatively explore retirement planning through the lens of Halloween candy, drawing parallels between popular sweets and essential financial strategies. They discuss the importance of diversification, multiple income streams, and long-term planning, while also addressing the challenges many Americans face in saving for retirement. The conversation shifts to the American dream of retirement, highlighting the need for disciplined saving and the impact of inflation. Finally, they touch on managing healthcare costs in retirement and the significance of making informed decisions about Social Security benefits. Visit My Iron Plan to learn more. Call (888) 532-0503.

In this conversation, Mal Mason and Chae Kyle discuss the importance of early retirement savings, the role of budgeting, healthcare costs, and the impact of inflation on retirement plans. They emphasize the need for a balanced approach to financial planning, including the use of annuities and the importance of working with a financial advisor to navigate economic downturns and achieve long-term financial goals. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason and Chae Kylediscuss essential strategies for retirement planning, emphasizing the importance of being kind to oneself during the financial planning process. They outline key principles for saving, investing wisely, and the significance of starting early. The conversation also covers the impact of interest rates, the necessity of financial reviews, and the importance of budgeting and understanding expenses in retirement. Additionally, they address the role of real estate, tax strategies, and maintaining one's lifestyle in retirement, while also answering listener questions about specific financial scenarios. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason, and Chae Kyle discuss the multifaceted aspects of retirement planning. They emphasize the importance of not just saving for retirement but also understanding the various components that contribute to a successful retirement, including healthcare costs, social security benefits, tax strategies, and the impact of inflation. The conversation also touches on the role of AI in financial planning, the significance of regular reviews and adjustments to financial plans, and the emotional aspects of retirement. Listener questions provide further insights into navigating retirement challenges, making this episode a comprehensive guide for anyone approaching retirement. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason and Chae Kyle discuss recent financial headlines and their impact on retirement planning. They cover topics such as the disconnect between retirement expectations and reality, the importance of tax planning, and signs that indicate potential financial heartbreak. The hosts emphasize the need for proper financial planning and communication with a financial advisor to ensure a secure retirement. The hosts stress the importance of creating a comprehensive retirement plan that includes budgeting, investing, tax planning, insurance, and estate planning. They offer a no-cost, no-obligation financial review to help listeners assess their financial situation and develop a customized income plan for retirement. Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason and Chae Kyle discuss the lessons we can learn from monarchs about money and retirement. They highlight four key lessons: understanding cash flow, avoiding short-term gains, avoiding emotional spending, and seeking expert advice. They emphasize the importance of creating a retirement plan that ensures a steady income stream and protects your assets. They also discuss the risks of ignoring taxes and the need for counterintelligence to navigate the complexities of the IRS. The conversation concludes with a discussion of how 80s songs can symbolize different aspects of retirement planning. They offer a complimentary financial review to help individuals assess their portfolio, reduce taxes, and develop a customized income plan.  Visit My Iron Plan to learn more. Call (888) 532-0503.

Mal Mason and Chae Kyle discuss the lessons we can learn from monarchs about money and retirement. They highlight four key lessons: understanding cash flow, avoiding short-term gains, avoiding emotional spending, and seeking expert advice. They emphasize the importance of creating a retirement plan that ensures a steady income stream and protects your assets. They also discuss the risks of ignoring taxes and the need for counterintelligence to navigate the complexities of the IRS. The conversation concludes with a discussion of how 80s songs can symbolize different aspects of retirement planning. The conversation concludes with a reminder to listeners to take advantage of the complimentary financial review offered by the hosts. Visit My Iron Plan to learn more. Call (888) 532-0503.

Navigating market volatility can be challenging for individuals nearing retirement. Here are some key strategies to help manage risk and protect your retirement savings in these tumultuous times. In this conversation, Mal Mason and Chae Kyle discuss various topics related to retirement planning. They touch on the challenges of spending 24/7 with a spouse during retirement, the importance of having a well-rounded team of financial advisors, and the role of a catcher in baseball as an analogy for financial advisors. The conversation concludes with a discussion on annuity contracts and the different payout options available. Visit My Iron Plan to learn more. Call (888) 532-0503. 

In this conversation, Mel Mason and Chae Kyle discuss the historical impact of financial crises and the lessons we can learn from them to better prepare for retirement. They emphasize the importance of learning from history and planning ahead. They discuss the Great Depression, the Great Recession, and the Social Security crisis of 1983 as examples of past financial crises and their effects on retirement planning. They also highlight the need for proper diversification, long-term vision, and utilizing expert advice to secure financial health and wealth. They conclude by offering a complimentary financial review for listeners.  Visit My Iron Plan to learn more. Call (888) 532-0503.

The conversation discusses signs that indicate it's time to retire, including financial readiness, debt management, emotional readiness, and health considerations. The hosts emphasize the importance of having a solid income strategy and retirement savings. They also mention the need to have a plan for health insurance and retirement benefits. The conversation then transitions to a discussion about the principles of wealth management from the book 'The Richest Man in Babylon.' The hosts highlight the importance of saving, investing wisely, and seeking advice from knowledgeable professionals. Visit My Iron Plan to learn more. Call (888) 532-0503. 

A commissioned study highlights a retirement crisis for baby boomers set to retire between 2024 and 2030. Two-thirds of this group struggle to maintain their current lifestyles post-retirement, with many possessing assets of $250,000 or less. The study reveals the need for careful planning and consideration of inflation and taxes. It emphasizes the importance of having a team or plan in place and working with a fiduciary advisor. The conversation also touches on the benefits of fixed indexed annuities and the importance of consolidating scattered 401(k) accounts.  Visit My Iron Plan to learn more. Call (888) 532-0503. 

Financial health is closely tied to physical and mental health. Money is an emotional topic that can impact overall well-being. Financial literacy is crucial for making informed decisions. Establishing trust and effective communication with a financial advisor is important. Financial stress can manifest in various physical and mental health issues. Financial fitness is measured by factors such as living within means, managing debt, and having an emergency fund. Annuities can provide income stability and help cover long-term care expenses. Tax planning is essential in retirement to avoid unexpected tax liabilities. The conversation concludes with a discussion on the state of Social Security and the need for comprehensive financial planning in light of uncertain economic and political circumstances.  Visit My Iron Plan to learn more. Call (888) 532-0503. 

In this conversation, Mal Mason and Chae Kyle discuss the most searched financial planning questions and provide answers. They explain the role of a financial advisor in helping individuals create and grow their wealth to achieve financial independence. They emphasize the importance of having a comprehensive financial plan and utilizing various financial tools. The conversation also covers the benefits of working with an independent fiduciary advisor who is legally obligated to act in the best interest of the client. They highlight the significance of building a strong relationship with clients and understanding their financial goals and concerns. Visit My Iron Plan to learn more. Call (888) 532-0503. 

In this conversation, the hosts discuss various topics related to financial planning and retirement. They emphasize the importance of having an income plan that will last throughout retirement and offer a free financial review to help individuals recognize unnecessary losses in their portfolio and reduce taxes. They also discuss the impact of market volatility and inflation on retirement savings. The hosts highlight the need for a cautious approach when investing and provide guidance on minimizing tax liability. They encourage listeners to seek professional advice and avoid relying on friends and family for financial advice. The conversation concludes with an invitation for listeners to schedule a comprehensive financial review.

It's important for women to take an active role in their financial planning. Caregiving and overspending on children can hinder women's retirement planning. It's crucial for women to prioritize their own financial well-being. In this conversation, Mal Mason and Che Kyle discuss various financial planning topics, including saving for retirement, market volatility, income planning, and estate planning. They also touch on the importance of long-term care insurance and the benefits of dividend-paying stocks. The hosts emphasize the need for personalized financial planning and offer a complimentary financial review to help listeners assess their financial situation and make informed decisions. Visit My Iron Plan to learn more. Call (888) 532-0503. 

The conversation explores how to combat economic downturns, inflationary pressures, and identify financial planning red flags. It emphasizes the importance of understanding the purpose of your money and having a clear plan for retirement. The hosts discuss the need for a fiduciary advisor who acts in the client's best interest, the dangers of feeling pressured to make quick decisions, and the value of transparency and personalized advice. They also debunk the idea that an app can replace the expertise and emotional intelligence of a financial planner. In this conversation, Steve Sedahl and Chae discuss various financial topics related to retirement planning. The hosts emphasize the importance of diversification, understanding tax implications, and seeking professional advice for financial planning. Visit My Iron Plan to learn more. Call (888) 532-0503. 

The retirement world has undergone significant changes in recent years. The conversation covers the impact of these changes, including the good, the bad, and the ugly. They discuss topics such as the Secure Act 2.0, which allows for the deferral of required minimum distributions (RMDs), and the reduction of penalties for RMDs. The conversation emphasizes the importance of proactive retirement planning and the need to address the unthinkable, such as medical surrogacy and estate planning. The conversation concludes with a discussion on inflation and the inadequacy of cost of living adjustments. Visit My Iron Plan to learn more. Call (888) 532-0503. 

The conversation covers the impact of election years on investment strategies, the role of fear and misinformation, the importance of managing money regardless of political party, the impact of market predictions, the significance of consistency and discipline in investment strategies, the risks of changing investment strategies, the concept of lost opportunity cost, and the dangers of letting fear control financial decision-making. The hosts provide valuable insights and advice for listeners to consider in their financial planning journey.  Visit My Iron Plan to learn more. Call (888) 532-0503. 

In this conversation, the hosts discuss the confusion and lack of clarity surrounding financial and economic topics. They critique a clip from Jared Bernstein, the chair of the United States Council of Economic Advisers, who struggles to explain monetary policy. They also debate the 4% rule in retirement planning and investing, with Dave Ramsey advocating for a higher withdrawal rate and Suze Orman cautioning against it. The hosts emphasize the importance of financial literacy and the need for personalized retirement planning. The hosts encourage listeners to schedule a conversation with them to receive a complimentary review of their individual circumstances. Visit My Iron Plan to learn more. Call (888) 532-0503. 

The conversation covers the retirement crisis, the future of Social Security, and the role of financial planning in divorce. The hosts discuss the increasing retirement crisis in America and the need for individuals to take control of their financial future. They highlight the importance of financial planning and saving for retirement, especially in the face of rising inflation and the potential for longer working years. The conversation then shifts to the role of a Certified Divorce Financial Analyst (CDFA) in helping individuals navigate the financial aspects of divorce. The CDFA helps clients understand their current financial situation, create a budget, and make informed decisions about asset division and financial planning for the future. Overall, the conversation provides insights and guidance for individuals looking to make informed financial decisions. Visit My Iron Plan to learn more. Call (888) 532-0503. 

In this conversation, Mal Mason and Chae Kyle discuss common misconceptions about retirement and provide tips to help listeners avoid making missteps on their way to and through retirement. They cover topics such as spending in retirement, life expectancy, living expenses, taxes, and social security. The hosts emphasize the importance of creating a comprehensive and customized retirement plan that takes into account individual circumstances and goals. Visit My Iron Plan to learn more. Call (888) 532-0503. 

The conversation covers topics such as retirement planning, income strategies, market performance, and the importance of having a comprehensive financial plan. The hosts discuss the benefits of guaranteed income strategies offered by large private banking firms like Goldman Sachs and Nationwide. They emphasize the need for individuals to have a team of professionals to help them navigate retirement and make informed financial decisions. The conversation also touches on the importance of longevity planning and the potential risks of investing in precious metals. Overall, the hosts aim to provide listeners with practical and straightforward financial advice.  Visit My Iron Plan to learn more. Call (888) 532-0503. 

In this conversation, Mal Mason and Che Kyle discuss retirement savings for individuals in their 50s. They emphasize the importance of starting to save and create a plan, even if it's later in life. They also discuss the benefits of annuities and life insurance contracts for retirement savings. The conversation touches on the need to consider healthcare costs and inflation in retirement planning. They explore different investment options, such as real estate, bonds, and high-yield savings accounts, highlighting the pros and cons of each. The hosts stress the importance of having a comprehensive plan and making informed decisions based on individual goals and circumstances. Visit My Iron Plan to learn more. Call (888) 532-0503. 

The conversation covers various tips and strategies to help individuals prepare for retirement. The first part focuses on new rules and changes brought about by the Secure Act 2.0, such as Roth accounts in defined contribution plans and retirement savings and student loan payments. The hosts also discuss the benefits of delaying Social Security, managing sequence of returns risk, and making informed decisions about housing choices in retirement. They emphasize the importance of good financial records and having open conversations about finances and retirement plans with spouses. The episode concludes with a reminder to seek professional financial advice and create a comprehensive retirement plan. Visit My Iron Plan to learn more. Call (888) 532-0503.

On today's show, Mal Mason and Chae Kyle discuss five important questions to ask your advisor about inflation and its impact on your retirement plan. They also touch on the recent statements made by Jerome Powell, the Federal Reserve Chair, regarding interest rates and inflation. The hosts emphasize the importance of having a long-term financial plan and being disciplined in your financial decisions. They caution against trying to beat the market or timing the market, and instead recommend participating in the market with no downside risk. They also advise against keeping all your savings untouched and instead prioritize taking care of yourself first. Visit My Iron Plan to learn more. Call (888) 532-0503. 

In this episode, the hosts discuss the importance of being proactive in financial planning and debunk common myths about annuities. They emphasize the need for financial education and offer free analysis and risk assessments to help individuals make informed decisions. The conversation also covers joint payouts in annuities, spousal IRAs, Roth conversions, and taking required minimum distributions (RMDs) from retirement accounts. Visit My Iron Plan to learn more. Call (888) 532-0503. 

In this conversation, Mel Mason and Che Kyle discuss the impact of social media on financial literacy. They highlight the dangers of following financial advice on platforms like TikTok, where unqualified influencers often spread misinformation. The hosts emphasize the importance of responsible content and parental guidance in financial education. They debunk myths about retirement plans, such as the idea that 401(k) accounts are scams. The conversation also addresses the fallacy of using other people's money to get rich and the need to manage debt wisely. Visit My Iron Plan to learn more. Call (888) 532-0503. 

The conversation covers various aspects of retirement planning, including considerations before retiring early, debt assessment and budgeting, finding balance in retirement, risk tolerance and overall goals, understanding different types of accounts, and dealing with divorce in retirement. In this conversation, Mal Mason and Shae Kyle discuss various financial topics related to retirement planning. They cover divorce, division of assets, retirement accounts, estate planning for children, saving money in retirement, supporting adult children, retiring at the same time, finding the right financial advisor, and understanding ETFs. Visit My Iron Plan to learn more. Call (888) 532-0503. 

In this conversation, Mal Mason and Chae Kyle discuss the importance of reviewing and refreshing your financial plan. The conversation covers various topics related to financial planning and life lessons from legendary coaches. The importance of regular checkups and proactive steps in financial planning are emphasized. The hosts discuss the significance of attention to detail and doing things right. They also highlight the value of income planning and the impact of coaches on personal and professional life. The conversation concludes with an invitation to schedule a complimentary financial review and the importance of protecting one's nest egg. Visit My Iron Plan to learn more. Call (888) 532-0503. 

Mal Mason and Che Kyle discuss the role of financial advisors as life coaches and the importance of a team approach in financial planning. They emphasize the need for financial guidance and the vulnerability of couples in the financial planning process. They also highlight the importance of the discovery process and involving both spouses in financial planning. The conversation touches on avoiding high-pressure sales tactics and seeking financial advice in retirement. Finally, they discuss the considerations of lump sum pension options and the importance of taking action and seeking financial guidance. Visit My Iron Plan to learn more. Call (888) 532-0503. 

The conversation discusses the importance of understanding taxes in retirement and creating a tax-efficient strategy. It highlights the various types of income that are taxed in retirement, including Social Security benefits and pensions. Mal and Chae also emphasize the benefits of tax-free income, such as Roth IRAs, and the importance of incorporating bucket list items into life planning. Visit My Iron Plan to learn more. Call (888) 532-0503. 

Mal Mason and Chae Kyle discuss the importance of estate planning and the components involved. They emphasize the need for wills, trusts, powers of attorney, and health care directives. They also highlight the potential disputes and challenges that can arise in estate planning. The conversation covers considerations such as pets, taxes, and upcoming changes in estate tax planning. The emotional impact of estate planning is discussed, along with the importance of digital estate planning. The conversation concludes with a focus on tax planning in retirement and the significance of choosing the right advisor. Visit My Iron Plan to learn more. Call (888) 532-0503. 

Mal Mason and Chae Kyle focus on the importance of financial education and taking control of one's financial situation. It emphasizes the impact of financial differences on relationships and the need for proper financial planning. The hosts also discuss the importance of teaching financial literacy to young adults and the challenges of long-term care insurance. They address the misconceptions surrounding annuities and highlight the importance of understanding them. The conversation concludes by encouraging listeners to take proactive steps for financial security. Visit My Iron Plan to learn more. Call (888) 532-0503. 

Mal Mason and Chae Kyle discuss the correlation between football and retirement planning, emphasizing the importance of hiring the right people and having a solid strategy. They highlight the significance of the financial red zone, which is the five to ten years before retirement, and stress the need for discipline and effort in retirement planning. They also discuss the importance of playing defense and being prepared for unexpected expenses. The hosts share sports quotes that relate to retirement planning and emphasize the need for a backup plan. They provide insights on securing the lead in retirement and tackling inflation head-on. Visit My Iron Plan to learn more. Call (888) 532-0503. 

Retirement is all about adjusting to change, including changes in schedule, social life, and income. Mal Mason and Chae Kyle say it's important to find hobbies and maintain a balance in retirement. Budgeting and understanding income in retirement is crucial, especially considering the impact of national debt on taxes. Retirement planning has evolved over the years, and it is important to plan for longevity and ensure adequate savings. Mitigating risks in retirement, such as market volatility and inflation, is essential. The show winds up with questions from listeners. Visit My Iron Plan to learn more. Call (888) 532-0503. 

The conversation discusses various aspects of retirement planning, including the un-bucket list, coping with loneliness, sequencing returns, tax planning, and retirement planning for couples. Mal and Chae emphasize the importance of aligning retirement goals and regularly revisiting them. They also highlight the need to consider age gaps and staggered retirements to ensure financial stability. The conversation provides valuable insights and advice for individuals and couples preparing for retirement. Visit My Iron Plan to learn more. Call (888) 532-0503. 

A new year with new resolutions. The question is, how long will they last. Mal Mason and Chae Kyle have some ways you can execute and succeed at improving your finances and reaching your financial planning goals in 2024. The show winds up with questions from listeners. Visit My Iron Plan to learn more. Call (888) 532-0503. 

As we enter 2024, it's crucial to assess your budget, debt, and investments in alignment with your financial objectives. To help kickstart the process Mal Mason and Chae Kyle have put together steps to help you get started. The show winds up with questions from listeners. Visit My Iron Plan to learn more. Call (888) 532-0503. 

According to a recent GoBanking survey 66% of Americans are concerned about running out of money in retirement. Mal Mason and Chae Kyle seek to calm the fears and offer you some strategies to help make sure that doesn’t happen. The show winds up with questions from listeners. Visit My Iron Plan to learn more. Call (888) 532-0503. 

It’s important to know the cold, hard truth of your financial situation when planning for retirement. On today’s show, solutions to help you navigate harsh retirement planning truths, how you can be the CEO of your retirement. Mal Mason and Chae Kyle offer some tips to help smooth out the process. The show winds up with questions from listeners. Visit My Iron Plan to learn more. Call (888) 532-0503.