Investing In Retirement: How Your Investments Should Change in Your 50s & 60s

The investing rules that helped grow your retirement savings may not be the same ones you need as retirement approaches. In this episode of Michigan’s Retirement Coach, Mike Douglas explains what should change, what should stay the same, and the common mistakes investors make when transitioning fro…

Investing In Retirement: How Much Cash Should Retirees Keep?

How much cash is too much, and how little could leave your retirement vulnerable? In this episode, Mike Douglas explores the role cash plays in a retirement strategy, including how it can provide flexibility during market volatility and help cover unexpected expenses. He discusses the risks of hold…

Are Hidden Retirement Taxes Reducing Your Income?

Could your retirement income trigger taxes and higher Medicare costs you didn’t expect? From this past weekend’s radio show, Mike Douglas discusses how required minimum distributions (RMDs), Social Security taxation, capital gains, and Medicare premiums can work together in retirement. He explains …

Investing In Retirement: Should Retirees Still Own Stocks?

Could playing it too safe in retirement create risks of its own? In this episode, Mike Douglas explores the role stocks can play in a retirement portfolio and why retirement planning is about more than simply preserving assets. He discusses how inflation can affect purchasing power over time, the b…

Could Market Confidence Be Setting Retirees Up for a Surprise?

What happens if a major market downturn hits just as you retire? From this past weekend’s radio show, Mike Douglas discusses why recent market gains may be creating a false sense of confidence for some investors and how market volatility can affect retirement income planning. He explains the risks …

Investing In Retirement: Why Your “Safe” Investments May Actually Be Risky

Could the biggest threats to your retirement be the risks you never see on a market statement? In this episode, Mike Douglas explores why retirement risk extends beyond stock market volatility. He discusses the hidden effects of inflation, the tradeoffs of holding too much cash, interest rate risks…

Could Your Retirement Zip Code Cost You More Than You Think?

Could where you live in retirement have as much impact as how you invest? From this past weekend’s radio show, Mike Douglas explores how taxes, lifestyle goals, family considerations, and housing costs can influence retirement decisions. He discusses the tradeoffs of relocating or snowbirding, the …

Can I Afford to Retire? - 3 Simple Tests to Know if You’re Ready to Retire

Can you afford to retire, or are you asking the wrong question? On this episode, Mike Douglas outlines three key tests that can help evaluate retirement readiness. He discusses whether your income can support your desired lifestyle, how well your plan can handle challenges such as inflation, market…

Is Your Retirement Plan Keeping Up With a Changing World?

What happens when your retirement plan stays the same while everything around you changes? From this past weekend’s radio show, Mike Douglas explains why retirement planning should evolve as markets, tax laws, healthcare needs, and personal goals change over time. He discusses the value of regular …

Can Selling Your Home Raise Your Medicare Premiums?

Could selling your home unexpectedly increase your Medicare premiums years later? In this episode, Mike Douglas explains how home sale profits can affect Medicare IRMAA surcharges and why the impact may not appear until two years after the transaction. He discusses capital gains exclusions, Social …