In Episode 228, Fred Saide discusses the critical components of retirement planning, emphasizing the importance of starting early, budgeting effectively, and understanding withdrawal strategies. He highlights the unique retirement options available for business owners and the value of professional financial advice. The conversation also delves into tax strategies, particularly the benefits of Roth IRAs, and the impact of inflation on retirement savings. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

Fred covers considerations of modern retirement and good strategies to meet the challenges.  Some of the challenges discussed include longevity risk and sequence-of-returns risk.  Fred also covers a good approach to savings rates, Social Security claiming, and whether to work longer or not.  Fred referenced an article by Michael Finke on thinkadvisor.com.  We provide a link to that as well as Fred’s websites. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com https://www.thinkadvisor.com/2025/12/11/is-delayed-retirement-bad-for-your-health/  

In Episode 226 of Money Matters USA, Fred Saide discusses the critical aspects of retirement planning, emphasizing the importance of early saving, understanding investment risks, and the future of social security. He highlights common mistakes people make, such as withdrawing from retirement accounts early and not accounting for inflation and healthcare costs. The conversation also covers the significance of asset location and tax strategies in retirement planning, providing listeners with valuable insights to secure their financial future. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 225 of Money Matters USA, Fred Saide discusses the common issue of individuals overpaying on their taxes due to a lack of awareness of available opportunities. He emphasizes the importance of separating business and personal finances to maximize tax efficiency. Additionally, he highlights the significance of purposeful rebalancing in financial planning, stressing that rebalancing should be driven by clear goals and mutual understanding between the advisor and the client. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 224 of Money Matters USA, Fred discusses the critical issue of longevity risk in retirement planning. He emphasizes the importance of understanding how long individuals may live and the financial implications of that longevity. The conversation covers the need for comprehensive planning, including strategies for long-term care and the outdated 4% rule for withdrawals.  Fred stresses the necessity of preparing for potential healthcare costs and the reality of living longer than expected, urging listeners to take proactive steps in their retirement planning. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 223 of Money Matters US, Fred Saide emphasizes the importance of taking control of your financial decisions. He discusses how individuals should focus on making their money work for them according to their personal goals, rather than being influenced by external pressures. The discussion highlights the significance of financial security, the ability to sleep peacefully knowing your finances are in order, and the need to prepare for market fluctuations. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 222 of Money Matters USA, Fred Saide discusses the complexities of retirement planning, emphasizing the importance of having a structured plan to alleviate fears of financial insecurity. He explores the shift from pensions to personal responsibility, the role of Social Security, and the necessity of considering longevity in retirement strategies. Saide also highlights the significance of risk management, long-term care, and estate planning, particularly in the context of blended families. The discussion concludes with insights on how lifestyle choices impact retirement satisfaction and the need for personalized financial planning. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 221 of Money Matters USA, Fred Saide discusses the importance of planning for longevity in retirement, emphasizing the 90 Plus Rule, which highlights the likelihood of living into one's 90s. He explores financial strategies to ensure that assets last throughout a potentially extended retirement, including the significance of working longer, understanding retirement expenses, and the necessity of long-term care planning. The conversation also touches on finding purpose in retirement, the essentials of estate planning, and a listener's question about balancing debt repayment with retirement savings. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

Fred covers changes coming in 2026 that need to be considered in retirement planning.  Changes include the extension of the 2017 tax rates, Medicare Part B projected cost hike, a higher estate tax exemption, the mandatory Roth catch-up rule, and a new, higher SALT deduction cap.  Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In episode 219 of Money Matters USA, Fred Saide discusses the importance of preparing for unexpected life events in retirement, the rising costs of healthcare, and the looming crisis of long-term care. He emphasizes the need for contingency funds and realistic planning for healthcare expenses, particularly as longevity increases. The conversation also covers the impact of tax changes on retirement savings, specifically the implications of the Secure Act 2.0 and the pros and cons of Roth catch-up contributions. Fred provides insights into navigating these challenges to ensure a secure financial future in retirement. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 218 of Money Matters USA, Fred Saide continues his comparisons of the phases of retirement to the classic vinyl 45 record.  Fred flips the record over which covers the second half of retirement and explains how planning changes some during this period.  He talks about the need to prepare and plan for healthcare costs and adjusting your risk.  He also covers the need for proper estate planning. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com    

In Episode 217 of Money Matters USA, Fred discusses the early years of retirement, likening it to the 'A side' of a vinyl record.  He emphasizes the importance of budgeting and planning for expenses during this phase, as many retirees tend to overspend on travel, hobbies, and home renovations. The conversation also highlights the necessity of tax strategies in retirement planning, as taxes remain a significant factor. Finally, Fred touches on the importance of finding purpose and engagement in retirement, encouraging listeners to consider volunteering and other meaningful activities. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 216 of Money Matters USA, Fred Saide discusses the complexities of retirement planning, emphasizing the need for flexibility and contingency plans. He highlights the importance of having multiple financial strategies to adapt to life's unexpected challenges, such as market downturns and personal life events like caregiving.  The conversation underscores the emotional and financial toll of caregiving and the necessity of setting boundaries with family members. Fred advocates for a proactive approach to retirement planning, ensuring that individuals are prepared for various scenarios to secure their financial future. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com    

In Episode 215 of Money Matters USA, Fred Saide discusses the evolution of estate planning, emphasizing its shift from merely addressing estate taxes to focusing on financial strategy and legacy planning. He highlights common mistakes people make, such as procrastination and outdated beneficiary designations, and explains the importance of trusts and comprehensive planning. The conversation also covers the implications of taxes in estate planning and the necessity of preparing for incapacity and healthcare decisions. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 214, Fred discusses the importance of guaranteed income in retirement, challenging the traditional mindset of focusing solely on asset growth. He emphasizes the need for a strategic approach to retirement planning that includes understanding withdrawal rates, income replacement ratios, and the impact of longevity on financial needs. The conversation also covers tax strategies, particularly the benefits of Roth conversions, and the necessity of planning for potential risks in retirement. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 213 of Money Matters USA, Fred Saide delves into the complexities of gray divorce, particularly focusing on the financial implications for older couples.  He discusses the rising trend of gray divorce, the importance of financial planning, and the necessity of prenups and postnups. The conversation also covers the impact of remarriage on social security and Medicare benefits, emphasizing the need for thorough planning to protect assets and ensure a secure future in later-life relationships. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealtyensure.com  

In Episode 212, Fred Saide discusses the financial challenges and strategies for Generation X as they approach retirement. He emphasizes the importance of understanding the transition from accumulation to decumulation, the need for effective retirement income strategies, and the significance of planning for longevity and healthcare costs. Saide also highlights the necessity of having a coherent financial plan and the role of various financial products in achieving retirement goals. Reach out to Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 11 of Money Matters USA, Fred Saide discusses the evolution of retirement planning over the past 30 years, emphasizing the need for adaptability in strategies due to changing market conditions, inflation, and tax implications. He highlights the importance of having a written plan and being flexible with withdrawal rates to ensure financial security in retirement. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net  

In Episode 210, Fred Saide discusses the evolving landscape of annuities, particularly in the context of rising interest rates. He explains the benefits of modern annuities, including guaranteed income and long-term care features, while also addressing the importance of evaluating older annuity products. The conversation emphasizes the need for a comprehensive income plan and the potential risks and fees associated with annuities, providing listeners with valuable insights into retirement planning. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 209, Fred Saide discusses innovative strategies for protecting retirement income against inflation, the importance of diversification, and the critical role of Social Security and healthcare costs in retirement planning. He emphasizes the need for personalized financial strategies and the impact of government policies on inflation and retirement savings. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 208, Fred Saide covers innovative strategies for protecting retirement income against inflation, the importance of diversification, and the critical role of Social Security and healthcare costs in retirement planning. He emphasizes the need for personalized financial strategies and the impact of government policies on inflation and retirement savings. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

In Episode 207, Fred Saide discusses common missteps in retirement planning, focusing on the importance of avoiding conservative spending, ensuring tax diversification, and proactively planning for long-term care. He emphasizes the need for a tailored approach to retirement planning that considers individual goals and circumstances. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  

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