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

In Episode 155, Fred Saide discusses five essential steps for retirement planning: reliable income, budgeting, risk management, healthcare expenses, and estate planning.  He emphasizes the importance of having multiple streams of income in retirement and the need to properly manage inflation.  Fred also explores different strategies for generating income in retirement, such as social security, pensions, real estate, and dividend-paying investments.  He highlights the distinction between the accumulation stage and the de-accumulation stage in retirement planning and the importance of working with a qualified fiduciary. Reach Fred at 800-593-8188. Money Matters USA

In episode 154, Fred Saide discusses important considerations for retirement planning, focusing on healthcare expenses, debt management, Social Security claiming strategies, asset allocation, and the impact of inflation. He emphasizes the need for budgeting, long-term care insurance, and a comprehensive plan to address healthcare costs.  Saide also explores the challenges facing Social Security and potential solutions, including tax reforms and entitlement adjustments. He highlights the importance of tax allocation planning and the need for certainty in tax regulations. Reach Fred at 800-593-8188. Money Matters USA

In Episode 153 of Money Matters USA, Fred Saide discusses the importance of working with a financial professional and the benefits it can bring. He highlights studies that show the significant impact of working with an advisor, including higher returns and better long-term financial outcomes. Saide emphasizes the need for a written retirement plan and the importance of finding a trustworthy advisor who puts your interests first. Reach Fred at 800-593-8188. Money Matters USA

In Episode 152, Fred discusses whether retirees should continue to invest in the stock market and how they should allocate their assets.  He emphasizes the importance of considering longevity and the need for a steady source of income in retirement.  The conversation also touches on healthcare costs, legacy planning, risk tolerance, risk capacity, and the importance of understanding one's budget and desired returns. The episode concludes by highlighting the significance of working with a fiduciary and seeking professional advice. Reach Fred at 800-593-8188. Money Matters USA

During an election year, the debate arises about which party, Democrats or Republicans, is more beneficial for the stock market and the economy.  However, Fred points out the impact of elections on the markets is not as significant as other factors, such as the actions of the Federal Reserve and government policies. Studies show that there is no clear consensus on whether a Democrat or a Republican is better for the stock market. The markets have their own beat and are influenced by various trends and correlations.  Fred stresses it is important for investors to focus on realistic scenarios, assess risks, and make informed decisions based on their individual goals and circumstances. Reach Fred at 800-593-8188. Money Matters USA

Fred’s special guest is Corey Carver, Vice-President of Business Development at Magellan Financial and Insurance Services.   Fred and Corey discuss the challenges of securing protected income for retirement. They explore the complexities of retirement planning and the importance of reliable and predictable income. They discuss different strategies, such as systematic income withdrawal, bucketing, and retirement income floors. They also highlight the benefits of annuities, including principal guarantees, potential for growth, and the ability to provide lifetime income. Reach Fred at 800-593-8188. Money Matters USA

Fred Saide discusses the challenges and changes in retirement planning, focusing on the impact of Social Security, healthcare, the Secure Act, and inflation. He highlights the strain on Social Security and Medicare due to the increasing number of baby boomers reaching retirement age and the system's inability to accommodate this demographic shift. Fred emphasizes the need for a bipartisan commission to address these issues and suggests potential solutions such as tax increases and investing in index funds. He also discusses the elimination of the stretch IRA and the importance of planning for inflation in retirement. Reach Fred at 800-593-8188. Money Matters USA

In this episode, Fred Saide provides a comprehensive overview of annuities, their relevance in retirement planning, and the different types of annuities available. He discusses the importance of annuities in providing guaranteed income and addresses the significance of monitoring annuity purchases. Additionally, he emphasizes the need for comprehensive financial planning and estate analysis. Reach Fred Saide at 800-593-8188. Money Matters USA

Fred Saide discusses the challenges and statistics related to retirement planning, longevity, market volatility, and the unique challenges faced by women in retirement. He also addresses the importance of guaranteed income, annuities, and the need for comprehensive financial planning. The conversation delves into the impact of inflation, pay equity, and caregiving on women's retirement planning. Additionally, Fred emphasizes the need for social interaction and contingency planning for couples in retirement. Reach Fred at 800-593-8188. Money Matters USA

In this conversation, Fred Saide discusses retirement surprises and how to navigate them. He emphasizes the importance of understanding Medicare and making informed choices about healthcare coverage. Fred also explores options for long-term care and the potential costs associated with it. He highlights the need to plan for inflation, taxes, and longevity in retirement. Additionally, he discusses the impact of market volatility and the importance of having a comprehensive retirement income plan. Reach Fred at 800-593-8188. Money Matters USA

Fred covers topics such as inflation, government spending, Federal Reserve policies, innovation in the private sector, Social Security and Medicare, and potential solutions for the financial challenges facing the country. The conversation covers various topics related to Social Security, taxes, inflation, and government spending. The main themes include concerns about the future of Social Security, the impact of raising taxes, the need for bipartisan solutions, and the consequences of excessive government spending. Reach Fred at 800-593-8188. Money Matters USA

Fred clears up some misconceptions about retirement including how much you’ll spend, how long your retirement may be, believing you can live off less, when you’ll retire, and how much your tax burden will be. Reach Fred at 800-593-8188. Money Matters USA

In this conversation, Fred Saide discusses various economic and financial headlines, including the market forecast, inflation concerns, and the impact of longevity on retirement planning. He shares his thoughts on the market performance, the narrow breadth of the stock market, and the potential risks of inflation and stagflation. Saide also emphasizes the importance of understanding the impact of inflation and longevity on retirement income and the benefits of working with a financial advisor. The conversation concludes with a discussion on the future of Social Security and retirement planning. Reach Fred Saide at 800-593-8188. Money Matters USA

In this episode, Fred Saide provides tips for boosting retirement savings for individuals who may have started late. He discusses catch-up contributions for individuals over 50, the importance of considering risk tolerance when investing, the option of delaying retirement, and the need to strategically plan for healthcare costs. He also emphasizes the importance of establishing multiple retirement income sources and the need for periodic rebalancing of investment portfolios. Fred concludes by highlighting the significance of understanding Social Security and the importance of creating a personalized financial plan. Reach Fred at 800-593-8188. Money Matters USA

In this episode, Fred Saide discusses the importance of communication and agreement between spouses when it comes to financial planning for retirement. He emphasizes the need for both spouses to be involved in financial discussions and decisions, even if there is a division of labor in managing finances. Fred also highlights the importance of discussing and agreeing on goals, such as charitable giving, travel plans, and spending objectives. He advises couples to work with a financial advisor who can serve as a coordinator and help navigate the complexities of retirement planning. Fred also discusses the impact of fees and hidden costs on investment portfolios and the need for regular reviews and updates to investment strategies. Reach Fred at 800-593-8188. Money Matters USA

Fred discusses common retirement mistakes and debunks myths about retirement planning. The conversation covers topics such as trying to beat the market, the dangers of keeping all your money in cash, the importance of diversification, the potential risks of being overly cautious with savings, the benefits of strategic real estate decisions, and the misconceptions about Social Security and retirement expenses. Reach Fred at 800-593-8188. Money Matters USA