In episode 206, Fred Saide discusses innovative strategies for retirement planning, emphasizing the importance of transitioning from saving to spending, understanding inflation's impact on purchasing power, and the necessity of healthcare and estate planning. He highlights the psychological challenges retirees face and the need for a coherent financial plan that includes tax analysis and risk management. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 205 of Money Matters USA, Fred Saide discusses the critical differences between saving and investing, emphasizing the importance of both in retirement planning. He explains when to prioritize saving over investing, the role of cryptocurrencies, and how to assess risk in investment strategies. The conversation also highlights the significance of having a comprehensive retirement plan and delves into the complexities surrounding Social Security solvency. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 204, Fred Saide discusses the true meaning of financial independence, emphasizing that it is not solely about wealth but about the freedom to live life on one's own terms. He explores the importance of passive income, financial literacy, and the personalized approach to financial planning. The conversation also touches on common misconceptions about wealth and the role of emotions in financial decision-making. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com www.beyondyouradisor.com  

Fred covers the important considerations of the first year of retirement with a discussion on Kiplinger’s “First Year of Retirement Rule.”  He cautions against overspending in that retirement honeymoon phase, getting a good spending plan, and avoiding sequence of returns risk.  Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode of Money Matters USA, Fred Saide discusses the significant impact of mindset on financial behaviors and the widespread financial stress affecting individuals today. He emphasizes the importance of a mindset shift to regain control over finances, particularly as one approaches retirement. The conversation explores the role of recency bias in financial decision-making, the necessity of budgeting, and the importance of having a big picture perspective on financial planning. Fred also provides practical tips for cultivating a smarter money mindset, including setting tangible goals and focusing on values over features in financial decisions. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 201, Fred Saide discusses the inevitability of financial mistakes and how to recover from them. He emphasizes the importance of recognizing mistakes, avoiding quick fixes, and learning valuable lessons from past errors. The conversation also covers strategies for effective retirement planning, including budgeting, debt management, and understanding risk tolerance. Fred shares insights on the significance of having a personalized financial plan and the need for regular reviews to adapt to changing circumstances. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode of Money Matters USA, Fred Saide discusses the findings of a JP Morgan study on retirement spending patterns, emphasizing that spending does not remain constant throughout retirement. He highlights the importance of understanding individual spending behaviors, the necessity of budgeting, and the critical role of managing risk and income in retirement planning. The conversation also explores different retirement spending personality types and the complexities involved in creating a comprehensive retirement strategy. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode, Fred Saide discusses the complexities of retirement planning, focusing on the various expenses retirees may face. He emphasizes the importance of understanding which costs may decrease and which may increase, particularly healthcare expenses. Saide also highlights the impact of longevity on financial planning and the necessity of budgeting to prepare for unexpected costs. The conversation delves into the effects of inflation on retirement expenses and the hidden costs that can catch retirees off guard, urging listeners to be proactive in their financial planning. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode of Money Matters USA, Fred Saide discusses the critical stages of retirement planning, emphasizing the importance of pre-retirement planning, navigating the transition to retirement, and understanding the emotional phases retirees experience. He highlights the need for individuals to redefine their identities post-retirement, stay socially active, and adjust their financial plans to address health and financial risks. The conversation underscores that retirement can be a fulfilling chapter of life with proper planning and support. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode of Money Matters USA, Fred Saide discusses common mistakes retirees make in their financial planning and how to avoid them. He emphasizes the importance of understanding the two stages of money: accumulation and de-accumulation. Saide highlights the significance of goal setting, tax strategies, and withdrawal strategies, as well as the behavioral mistakes that can lead to financial pitfalls. He also addresses longevity risk and the growing popularity of income annuities as a solution for ensuring a stable income during retirement. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode of Money Matters USA, Fred Saide discusses crucial truths about retirement planning that many people overlook. He emphasizes the importance of understanding longevity, healthcare costs, and the reality that Social Security alone is insufficient for a comfortable retirement. Fred also highlights the need for comprehensive planning, including debt management, inflation considerations, and estate planning, to ensure a secure and enjoyable retirement. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

Fred talks about the current financial landscape, emphasizing the importance of having a robust financial plan that can withstand market volatility and inflation. He highlights the psychological aspects of investing, the potential risks associated with Social Security, and the necessity of planning for retirement income. The conversation also delves into the role of annuities in providing guaranteed income and the need for a comprehensive approach to financial planning. In this episode, Fred Saide discusses the importance of exploring various retirement products, particularly those that integrate with Social Security.  Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode, Fred Saide discusses common myths and assumptions about retirement that can lead to financial pitfalls. He emphasizes the importance of understanding market volatility, the impact of inflation, and the reality of expenses in retirement. The conversation also covers the limitations of Social Security and Medicare, as well as the often-overlooked topic of inheritance. Listeners are encouraged to seek professional advice and create a comprehensive retirement plan to avoid these common misconceptions. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode of Money Matters USA, Fred Saide discusses the evolving landscape of retirement planning, emphasizing that retirement is not an end but a new chapter. He explores market dynamics, the importance of understanding risk, and the necessity of having a solid financial plan to navigate uncertainties. The conversation highlights strategies for safeguarding wealth and making informed financial decisions in a volatile market. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

Fred Saide discusses the critical aspects of financial planning, emphasizing the importance of understanding risk capacity over risk tolerance, the necessity of diversification, and the value of scenario planning in navigating market volatility and economic uncertainty. He also addresses the implications of political decisions on financial strategies and offers insights on preparing for potential recessions. The discussion highlights the need for individuals to be informed and proactive in their financial planning, especially as they approach retirement. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode of Money Matters USA, Fred Saide discusses the critical importance of tax strategies in retirement planning. He emphasizes the need for proactive tax planning to avoid higher taxes in retirement, especially with the potential for rising tax rates. The conversation covers various financial tools, including life insurance and annuities, and highlights the significance of personalized financial planning to meet individual goals. Fred also delves into tax diversification strategies, particularly the benefits of Roth conversions and the impact of Social Security on retirement income. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode of Money Matters USA, Fred Saide discusses the unpredictable nature of retirement planning, emphasizing the importance of being prepared for various financial curveballs. Key topics include financial instability, healthcare costs, taxes, inflation, and estate planning.  Fred highlights the significance of understanding these factors to create a robust retirement strategy that can withstand market fluctuations and unexpected expenses. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode of Money Matters USA, Fred Saide discusses the implications of tariffs on retirement planning, the importance of re-evaluating financial strategies in light of recent economic changes, and the necessity of revitalizing U.S. manufacturing. The conversation also touches on market volatility, historical perspectives on tariffs, and the need for a balanced approach to economic growth and fiscal policy. You can reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 188 of Money Matters USA, Fred Saide discusses the complexities of tariffs and their implications on the economy and retirement planning. He emphasizes the importance of understanding inflation, market volatility, and the necessity of a written retirement income plan. The conversation also touches on the role of government in economic growth and the significance of risk management in financial planning. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode of Money Matters USA, Fred Saide discusses the complexities of retirement planning, emphasizing the importance of a personalized approach that goes beyond simple investment strategies. He highlights the need for comprehensive planning that includes risk assessment, income generation, tax strategies, and healthcare considerations. The discussion also touches on the necessity of commitment to a living plan that adapts to changing needs over time.  Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net  

In this episode, Fred Saide discusses the intricacies of Roth conversions, including their benefits, the importance of tax strategies in retirement planning, and the implications for younger investors. He debunks the break-even analysis myth, emphasizing that the key factor in Roth conversions is the tax rate. The conversation also touches on the future of Social Security and the necessity of tax diversification in financial planning. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 186 of Money Matters USA, Fred Saide discusses the essential elements of retirement planning, focusing on understanding retirement readiness, evaluating expenses, maximizing pre-retirement opportunities, managing debt, planning for healthcare costs, and the importance of Social Security. He emphasizes the need for a comprehensive income strategy and the significance of incorporating enjoyable activities into retirement budgets while maintaining flexibility in planning. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Money Matters USA episode 184, Fred discusses various tax proposals and changes, focusing on the implications for different professions, the future of Social Security, and strategies for economic growth.  He explores the complexities of tax deductions, capital gains, and the potential impact of the Trump administration's policies on the economy. The discussion also highlights opportunities for investors in the current tax environment and the importance of careful planning for retirement and estate management. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 183, Fred Saide discusses effective strategies for generating tax-free retirement income and the importance of tax planning in retirement. He emphasizes that many retirees may not realize their tax situation could worsen and highlights the significance of withdrawal strategies and tax implications on Social Security and Medicare. The conversation also delves into Roth conversions, their benefits, and the necessity of a comprehensive tax strategy to navigate the complexities of the tax code and ensure financial stability in retirement. Reach Fred Saide at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode of Money Matters USA, Fred Saide delves into the concept of behavioral finance and its implications for retirement planning. He explains how psychological factors and cognitive biases influence financial decisions, often leading to irrational choices. The discussion covers various biases such as anchoring, loss aversion, and overconfidence, and emphasizes the importance of understanding these biases to make informed retirement decisions. Fred also provides strategies for managing emotions and staying focused on financial goals, highlighting the need for personalized retirement planning and regular reassessment of financial strategies. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In episode 181, Fred Saide discusses the essential components of building a secure retirement plan, emphasizing the importance of understanding cash flow, budgeting, debt management, and estate planning. He highlights the need for predictable income sources and the significance of setting clear financial goals. The conversation also touches on the challenges of Social Security and the role of annuities in retirement planning. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 180 of Money Matters USA, Fred Saide discusses the importance of planning over panic during market downturns, emphasizing the need for a solid financial plan and behavioral discipline. He outlines the significance of understanding risk, setting clear financial goals, and managing expenses effectively. The conversation also highlights the value of working with a fiduciary advisor to navigate the complexities of retirement planning and ensure a tax-efficient distribution of assets. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 179 of Money Matters USA, Fred Saide discusses the five critical concerns retirees will face in 2025 as identified by Goldman Sachs. The conversation covers the concept of the financial vortex, the importance of having a planning mentality, the role of employer resources, and the impact of technology on retirement planning. Fred emphasizes the need for personalized retirement plans and the importance of adapting to changing circumstances. He also provides practical tips for navigating these concerns effectively. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 178, Fred Saide discusses the intricacies of Roth IRA conversions, emphasizing their potential benefits for retirement savings and tax planning. He explores the implications of the Secure Act, the importance of understanding tax brackets, and the role of trusts in managing Roth conversions. The conversation highlights the need for careful planning and collaboration with tax professionals to navigate the complexities of Roth conversions effectively. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

Fred explains why financial resolutions are so important to Americans in 2025 and breaks down three of the top resolutions which are saving more, paying down debt, and spending less.  He also offers tips on how to stay on track with these resolutions throughout the year.  Reach Fred Saide at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In this episode 176 of Money Matters USA, Fred Saide discusses the essential components of retirement planning, emphasizing the importance of a solid foundation, understanding the two stages of money, and the need for a written plan. He highlights the significance of risk management, investment strategies, and preparing for healthcare costs in retirement. Additionally, Fred addresses tax planning and legacy considerations. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 174, Fred Saide discusses the essential considerations for early retirement, including health insurance, budgeting, maximizing retirement accounts, understanding Social Security, and managing debt. He emphasizes the importance of planning and provides actionable strategies to help listeners achieve their retirement goals.  Fred also answers a “Stump the Guru” question about required minimum distributions.  You can get your question in to “stump the guru” at www.moneymattersusa.net.  Click the podcast tab. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com

In Episode 173, Fred Saide discusses the financial strategies of millionaires and how listeners can adopt similar practices to improve their financial health. The conversation covers the importance of long-term planning, risk management, and the psychological aspects of investing. Saide emphasizes the need for a structured approach to budgeting and investment, as well as the value of working with financial professionals. The episode also touches on the significance of optimism and control in financial planning, especially as individuals approach retirement. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com

In this episode, Fred Saide discusses significant upcoming changes to retirement plans, particularly focusing on the implications of the Secure Act 2.0 and the central role of 401(k) plans. He highlights the challenges of an aging population and economic volatility, the importance of contribution limits, and the future of Roth accounts. The conversation also explores global perspectives on retirement systems and the benefits of QLACs as a financial strategy for retirement income. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com

In Episode 171 of Money Matters USA, Fred Saide discusses essential strategies for wealth preservation, particularly for those in retirement. He emphasizes the importance of having a solid financial plan, understanding risk tolerance, budgeting for cash flow, and optimizing taxes. Additionally, he touches on the significance of legacy planning and ensuring that one's assets are distributed according to their wishes. The conversation provides valuable insights into managing finances effectively to secure a stable retirement and leave a lasting legacy. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com

In Episode 170, Fred Saide addresses common concerns of retirees and pre-retirees and shows how to ease them.  Topics discussed included market volatility, Social Security, health care both physical and financial, long term care, and inflation. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com

In Episode 169, Fred Saide discusses the critical importance of estate planning for retirees, emphasizing the need for a comprehensive plan to ensure assets are distributed efficiently and according to one's wishes. He highlights the common pitfalls of probate and the necessity of tax-efficient strategies for wealth transfer. Additionally, Fred addresses the significance of long-term care planning and how it can impact legacy assets, urging listeners to take action now to protect their financial future. Reach Fred at 800-593-8188. Money Matters USA

In Episode 168, Fred Saide discusses the challenges facing Americans in retirement, including the perception of unpreparedness, the complexities of Social Security, and the importance of healthcare planning. He emphasizes the need for comprehensive financial strategies to navigate inflation, manage risks, and ensure a secure retirement income. The conversation highlights the significance of understanding retirement goals, the impact of inflation on savings, and the necessity of diversifying assets to mitigate risks. Reach Fred at 800-593-8188. Money Matters USA

In Episode 167 of Money Matters USA, David Esposito, President and CEO of ONL Therapeutics, shares insights from his military background and how it shaped his leadership style. He discusses the dynamics of working in small biotech companies versus large corporations, the challenges of treating retinal diseases, and the importance of AI in early detection. David also delves into the FDA approval process and the innovative approaches ONL Therapeutics is taking to improve patient outcomes. Reach Fred at 800-593-8188. Money Matters USA https://harvesttimepartners.com https://onltherapeutics.com

In episode 166 of Money Matters USA, Fred Saide discusses the various traps retirees face due to hasty decisions made during retirement planning. He emphasizes the importance of understanding the changing landscape of retirement, the critical role of Social Security, and the need for effective income strategies, including annuities. The conversation also covers healthcare costs, long-term care planning, the impact of inflation, and the necessity of having a flexible retirement plan that can adapt to changing circumstances. Reach Fred at 800-593-8188. Money Matters USA Concerned about the election’s impact on your taxes and estate plan? This FREE event has you covered! Join us on October 16th in Green Brook Township, NJ for an essential discussion on how the presidential candidates’ tax proposals might influence your financial future. Led by Frederick Saide, Ph.D., an expert in tax diversification, tax optimization, and estate planning. Explore how to:  Shield your assets and reduce your tax burden with potential new tax laws Strategies to ensure your investment and retirement savings remain secure Plan effectively for elder care and protect your legacy for further generations.  Choose between morning and evening sessions! Enjoy bagels & coffee or wine & cheese. Seats are limited to the size of the room—register now! Secure your spot here:   moneymattersusa.net/seminars For immediate assistance, call 800-593-8188 or visit moneymattersusa.net/connect

Episode 165 features the three-year podcast anniversary.  It actually should have been held on Episode 156 but better late than never.  Fred discusses the current economic uncertainties and provides actionable steps for listeners to navigate these challenges. He emphasizes the importance of retirement planning strategies, particularly in optimizing Required Minimum Distributions (RMDs) and considering tax implications. The conversation also delves into the political landscape and its potential impact on financial planning, especially regarding estate taxes and charitable giving. As the year comes to a close, Fred highlights year-end financial strategies, including the benefits of bunching charitable donations and the significance of healthcare planning in light of upcoming Medicare changes. Finally, he advises listeners to review their investment strategies and make necessary adjustments for the fourth quarter. Reach Fred at 800-593-8188. Money Matters USA Money Matters USA-additional website-www.wealthensure.com

In Episode 164, Fred discusses the complexities of retirement planning, emphasizing the importance of having a written plan, setting realistic goals, and understanding the implications of investment strategies and taxes.  He highlights the need for professional guidance in navigating these challenges, especially in light of potential political changes and the realities of extended longevity. The conversation also touches on the significance of health and long-term care planning, as well as the necessity of tax diversification. Reach Fred at 800-593-8188. Money Matters USA

On Episode 163, Fred discusses the complexities of retirement planning, emphasizing that it's not just about accumulating wealth but understanding personal goals and needs. He highlights the importance of working with a fiduciary, the role of AI in financial planning, and the necessity of creating a comprehensive retirement income plan. The conversation also covers long-term care costs, the challenges facing Social Security, and strategies for tax-efficient withdrawals and income diversification. Reach Fred at 800-593-8188. Money Matters USA

In Episode 162, Fred Saide discusses various financial topics related to retirement planning. He highlights the retirement disconnect, where many Americans are giving up on the ability to retire due to financial pressures caused by inflation. He emphasizes the importance of proper planning and the challenges of do-it-yourself retirement planning. Fred also discusses the potential impact of future tax changes on retirement savings and the benefits of Roth conversions. He addresses common financial regrets, the fear of running out of money in retirement, and the misconceptions surrounding Social Security benefits. Fred concludes by emphasizing the need for intelligent conversations and new policies to address the complex financial landscape. Reach Fred at 800-593-8188. Money Matters USA

In Episode 161, Fred discusses various aspects of retirement planning covering topics such as divorce, creating a retirement spending plan, maximizing Social Security benefits, withdrawal strategies, healthcare planning, and finding purpose in retirement. Fred emphasizes the importance of creating a budget, understanding one's financial needs, and optimizing Social Security. He also highlights the significance of tax efficiency, maintaining a healthy lifestyle, and continuing to learn in retirement. The conversation concludes with a discussion on pursuing happiness and finding fulfillment in retirement. Reach Fred at 800-593-8188. Money Matters USA

In Episode 160, Fred Saide discusses the nine crucial steps to consider for a smooth and fulfilling retirement. The checklist includes topics such as retirement savings, multiple streams of reliable income, minimizing debt, comprehensive health and long-term care coverage, proper planning for spending and enjoyment, inflation protection, effective estate planning, achieving financial independence, and ensuring low stress and peace of mind in retirement. Reach Fred at 800-593-8188. Money Matters USA

In Episode 159, Fred discusses the impact of presidential elections on the economy and explores the economic history of past presidents. He touches on topics such as the current job market, the chances of a recession, the role of the Federal Reserve, and the impact of tax policies.  He also discusses issues like healthcare, regulation, immigration, and foreign policy. Reach Fred at 800-593-8188. Money Matters USA

In Episode 158, Fred Saide points out that retirement planning is like piecing together a complex puzzle, with each piece being crucial for a secure future. One approach to retirement planning is goals-based retirement planning, where the focus is on creating and achieving realistic goals before discussing income and money. Maximizing social security and identifying other sources of income, such as pensions, annuities, and investments, is important. Savings should be balanced with liquidity, and budgeting and expense management are essential. Health care and long-term care should also be considered, as well as estate planning and tax planning.  Hear more in the podcast and Fred’s answer to another Stump the Guru question. Reach Fred at 479-935-9767. Money Matters USA

In Episode 157, Fred Saide discusses the importance of estate planning and the mistakes to avoid. He emphasizes the need for a comprehensive estate plan to ensure that your assets are distributed according to your wishes. Fred highlights the importance of updating your estate plan regularly, especially after major life events. He also discusses the tax considerations in estate planning and the need for professional assistance. Fred provides valuable insights into funding trusts, addressing digital assets, and having open conversations about your estate plan with relevant parties. Reach Fred at 800-593-8188. Money Matters USA

In Episode 156, Fred Saide discusses the world of Roth IRAs and the benefits of Roth conversions. He emphasizes that it makes sense to consider Roth conversions at any time, especially when tax rates are lower.  Saide also highlights the importance of tax diversification and the need to plan for future tax liabilities. He addresses the skepticism some CPAs and financial advisors have towards Roth IRAs and emphasizes the value of tax planning and reducing taxes throughout retirement. Saide encourages listeners to reach out for a no-obligation conversation to explore their options.  In the second segment, Fred tackles a Stump the Guru question about Roth IRAs. Reach Fred at 800-593-8188. Money Matters USA