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

In this episode, Fred Saide discusses lessons from golf that can be applied to retirement planning. He emphasizes the importance of not taking unnecessary risks with retirement funds and having a coherent financial retirement plan. He compares choosing the right club in golf to selecting the right assets and strategies in retirement planning. Fred also highlights the need for professional help in retirement planning and the dangers of letting emotions drive financial decisions. He concludes by discussing common hazards in retirement planning, such as Social Security claiming mistakes and underestimating the impact of taxes and fees. Reach Fred at 800-593-8188. Money Matters USA

Fred debunks some bad and questionable financial advice that is prevalent with the advent of social media.  He counters with knowledge and experience in the financial industry opinions on the 401(k), debt, following trends, and the F.I.R.E. movement. You can reach Fred by calling 800-593-8188. Money Matters USA

In this conversation, Fred discusses the economic landscape and challenges of retirement planning. He highlights the impact of inflation, government spending, and deficits on retirement savings. Fred emphasizes the importance of budgeting, analyzing spending, and projecting lifetime expenses. He also addresses the role of Social Security, pensions, and the 401(k) in retirement planning. Reach Fred at 800-593-8188. Money Matters USA

In this podcast episode, Fred Saide discusses the idea of early retirement and the things you need to know before retiring early. He emphasizes the importance of considering time, money, and health in retirement planning. Fred also highlights the shift in focus from money to time in retirement and the challenges of adjusting to retirement. He introduces the concept of the four phases of retirement and the need to plan and transition into retirement. Finally, Fred discusses the importance of creating a new identity in retirement and addresses the financial aspects of retirement. You can reach Fred by calling 800-593-8188. Money Matters USA

In this episode, Fred Saide discusses taxes in retirement and provides insights into creating tax efficiency. He explains the taxation of retirement income sources, including Social Security benefits, pensions, interest-bearing accounts, stocks, bonds, mutual funds, and dividends. Fred also highlights the tax treatment of life insurance proceeds and the benefits of Roth IRAs compared to traditional IRAs. The episode concludes with a Stump the Guru question about the 60-day rollover rule and potential waivers.  You can submit your “Stump the Guru” question on www.moneymattersusa.net.  Click the podcast tab and you’ll see Stump the Guru. You can reach Fred by calling 800-593-8188. Money Matters USA

In this podcast episode, Fred Saide discusses the importance of tax optimization strategies in retirement planning. He highlights the limitations of traditional tax planning and emphasizes the benefits of Roth contributions and conversions. Fred also explores other tax-efficient planning options, such as qualified charitable distributions and life insurance. He addresses the challenges facing Social Security and Medicare and proposes potential solutions. Fred concludes by urging listeners to proactively plan for their retirement and seek professional advice. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

In this conversation, Joe Peters, a residential real estate agent joins Fred Saide. He discusses various aspects of the housing market. He shares his transition from a technology career to real estate and highlights his unique approach that incorporates artificial intelligence. Peters also delves into the challenges of affordability in the housing market and the imbalance between housing supply and demand. The discussion touches on the changing trends in housing, including the potential for multi-generational housing. The conversation concludes with a look at the future outlook for the housing market. Joe and Fred explore various aspects of housing and living preferences in New Jersey. It discusses the need to reconstruct living facilities to match the needs of different individuals and the challenges associated with it. The conversation also delves into the trend of suburban vs. urban living and the appeal of downtown environments. It highlights the housing market in Bridgewater and its diverse population. The historical significance of Somerville and the challenges of multi-family living are also discussed. The conversation concludes with a focus on factors influencing housing decisions, the relationship between community colleges and housing, and the ethnic diversity in Somerset County. You can reach Fred Saide by calling 800-593-8188. Money Matters USA Joe Peters Real Estate

In this episode, Fred Saide discusses the worst retirement advice you could follow and offers alternative positive strategies. The conversation covers various topics, including the danger of ignoring taxes in retirement planning, the myth of spending less in retirement, the need for Social Security reform, the fallacy of the $1 million retirement goal, the limitations of diversification, the importance of a written retirement plan, and the impact of happiness on population growth.  You can reach Fred Saide by calling 800-593-8188. Money Matters USA

In this conversation, Fred Saide discusses the importance of having a written plan for retirement and the need for a comprehensive checklist. He emphasizes the significance of budgeting, understanding income sources, and creating a spending plan. Fred also highlights the importance of considering healthcare and Medicare decisions, as well as tax planning for qualified and non-qualified assets. He discusses the need for asset inventory and portfolio construction, as well as the complexities of Social Security planning. Finally, Fred touches on legacy planning, including wills, trusts, and beneficiaries. You can reach Fred Saide at 800-593-8188. Money Matters USA

In this episode, Fred Saide discusses how football strategies can be applied to retirement planning. He emphasizes the importance of the financial red zone, which is the transition period before and during retirement. Saide also highlights the need for reinvention in retirement and the challenges of sequence risk and return. He advises against relying solely on diversification and emphasizes the importance of having a written plan. Additionally, Saide discusses the impact of inflation and the need for increasing income in retirement. He also emphasizes the role of a retirement coach in helping individuals achieve their goals. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred identifies risks in retirement and offers ways to avoid them.  The podcast includes a discussion on the balance of risk and return, withdrawal strategies, the risk of longevity, taxes, healthcare, long term care, and asset allocation. You can reach Fred Saide at 800-593-8188. Money Matters USA

We all know the bucket list so what would go in the un-bucket list?  That would be things to avoid so you can have a successful retirement.  That’s the discussion at the beginning of the podcast with Fred as he talks about knowing when you can retire so you don’t work longer than necessary, not being lonely and now having an unfulfilled retirement, and now squandering the early “go-go” years.  Fred also tackles a “Stump the Guru” question about concerns over the future of Social Security.  You can submit your “Stump the Guru” question to Fred at www.moneymattersusa.net.  Click the podcast tab and then the Stump the Guru dropdown. Contact Fred Saide at 800-593-8188. Money Matters USA

Still in the New Year the podcast devotes time to considering financial goals or resolutions, how to approach them, and how to stay on track.  These include everything from paying off debt to increasing your savings and more. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred offers thorough coverage of annuities in this podcast looking at the benefits and drawbacks and breaking down the types of annuities.  We also bring back Stump the Guru with a question from a listener seeking advice on what to do in retirement with all the spare time and how to best handle his finances.  You can submit your “Stump the Guru” question to Fred at www.moneymattersusa.net.  Click the podcast tab and then the Stump the Guru dropdown. You can reach Fred by calling 800-593-8188. Money Matters USA

Warnings of what could harm your retirement are discussed at the open of the podcast with points on having a budget, automating your savings and payments, planning for healthcare costs, and not relying too heavily on being able to work longer.  Fred also looks at what needs to be considered to help determine if you are ready to retire. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred provides the answers to some commonly asked and very important questions regarding proper retirement planning.  He also looks at what should be considered in shoring up your retirement in the new year. you can reach Fred Saide by calling 800-593-8188. Money Matters USA

You’ll hear clips from familiar movies and a sitcom with a holiday theme.  Fred takes these clips and shares retirement and financial lessons we can learn from them. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred cuts through some harsh realities of retirement planning and offers solutions.  Some issues covered are the amount of bear markets to expect, needing more than Social Security, and longevity.  What are the returns on your investments in retirement?  They're not just money.  They can also be time, health, happiness, and achieving peace of mind.  Fred dives into that subject. You can reach Fred Saide at 800-593-8188. Money Matters USA

Fred talks about what we need to consider strategically as the year draws to a close.  Most of the bullet points are about good tax moves.    Then the conversation turns to what you may face in retirement such as restlessness and the need to re-define yourself. You can reach out to Fred Saide by calling 800-593-8188. Money Matters USA

Fred answers ten questions frequently asked by soon to be retirees.  The questions are about how much is needed to retire, how to fund retirement, when to claim Social Security, what to do with a pension, and how money should be invested in retirement.  Fred also answers a “Stump the Guru” question from a woman considering using inheritance to move into an adult community. You can submit your “Stump the Guru” question to Fred at www.moneymattersusa.net.  Click the podcast tab and then the Stump the Guru dropdown. Reach out to Fred Saide at 800-593-8188. Money Matters USA

What makes a retirement plan comprehensive?  Fred covers the answers you should receive when talking to someone about your retirement.  When should I claim Social Security?  What will my budget look like?  Should I invest in high dividend stocks?  What should I do with my 401(k) balances?  These questions and more are answered by Fred.  He also discusses the state of the economy and possible effects on those in the financial red zone. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

The 2023 Mercer CFA Institute’s Global Pension Index recently rated retirement systems around the world.  The U.S. earned a C+.  Fred examines that and discusses steps to strongly consider in an effort to score an A+ in your retirement.  You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred gives us a look behind the curtain at how he tackles challenges and opportunities when meeting with people about their retirement plan.  Two hypothetical scenarios are discussed here.  You can reach Fred Saide at 800-593-8188. Money Matters USA

Fears are addressed in this podcast and suggestions to overcome them.  Fred understands these fears and discusses common retirement fears revolving around inflation, Social Security, market volatility, and the cost of health care. You can reach Fred Saide at 800-593-8188. Money Matters USA

Fred offers information on the different scam operations out there and tips to avoid them.  He also dissects survey results from a Northwestern Mutual Planning and Progress study that shows Americans’ concerns about the economy and how much they would need to retire. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

We all assume things but some assumptions could be dangerous when approaching retirement.  Fred covers some of these.  The list includes assumptions on when you will retire, how long you will live, how much you will spend, and what you will face in taxes. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Honoring Financial Literacy Month, the game is Financial Jeopardy covering retirement facts to make sure you’re not in financial jeopardy.  Categories include Important Retirement Ages, Penalties and Fees, Retirement Savings Vehicles, and Retirement Rules of Thumb. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred runs down some expenses that can eat away at your savings when you’re in retirement.  They include healthcare, home ownership, inflation, taxes, and longevity.  He then focuses on the top stressors people cited in a recent survey by Principal.  Those include inflation, rising interest rates, and a lack of savings. Fred Saide can be reached at 800-593-8188. Money Matters USA Harvard Gazette article referenced

Fred cuts through the misinformation in the retirement universe by declaring whether some retirement statements are fact, fiction, or somewhere in between.  Risk tolerance, medical costs, retirement income, Social Security, and retirement spending are covered in this podcast. Reach out to Fred Saide at 800-593-8188. Money Matters USA

Fred dissects some words of wisdom from the Oracle of Omaha in his overall investment mindset, his number one rule in investing, and what he means when he says his mistakes have been of omission.  You can also get a glimpse of what your consultation experience with Fred could be as he breaks down some hypothetical case studies. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred dissects a recent Bankrate survey that shows many Amercans are feeling financially insecure.  Why is that?  Fred breaks it down.  He also warns against procrastination in retirement planning in areas such as boosting your savings, eliminating debt, and just getting an overall retirement plan together. You can reach Fred Saide at 800-593-8188. Money Matters USA

If you’re stranded on a desert island you may feel you need to strictly conserve your water supply so it will last.  Fred shows how those who are not properly planned for their retirement could feel that way about their money.  He offers analysis and solutions to help achieve that “Goldilocks” retirement. You can reach Fred at 800-593-8188. Money Matters USA

Fred shares tips on how successful people use techniques to legally reduce their taxes.  He discusses some of the reasons people overpay in taxes and covers five vital strategies to consider including knowing the rules for safe harbors, maxing out tax deferred retirement accounts, and utilizing Roth options. You can reach Fred Saide at 800-593-8188. Money Matters USA

2024 marks an historic demographic event with the largest number of Americans ever reaching the age of 65.  If you’re approaching retirement, what strategies should you consider implementing now?  Fred covers that along with what those in their 50s should be looking at as they enter the financial red zone. You can reach Fred Saide at 800-593-8188. Money Matters USA

Fred is joined by Dan McGrath, the co-founder and creator of IRMAA Certified Planner and the best-selling retirement planning author of “What You Don’t Know About Retirement Will Hurt You.”  IRMAA is an acronym for income-related adjustment amount.  That is an extra fee you pay with your Medicare Part B and D premiums based on income.  Dan is one of the nation’s leading authorities on how the costs of health care impact investors’ retirement and Social Security benefits and is a proponent of Annuities and Life Insurance as well as utilizing Roth strategies. You can reach Fred Saide by calling 800-593-8188. Money Matters USA IRMAA Certified Planner

We celebrate Podcast 104 and the two year anniversary!  Fred expands on five key retirement financial planning components which are investment, tax, and income strategies and estate and healthcare planning.  He also covers the seven “sins” of retirement planning.  Some include accessing your retirement dollars early, retiring too early, not coordinating with your spouse, and not having a written plan.  In the Stump the Guru segment Fred answers a question on whether or not risk and volatility are the same. You can submit your question at www.moneymattersusa.net.  Just click podcast and the dropdown for Stump the Guru. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

It’s amazing how you can tie iconic TV sitcom scenes to retirement planning.  Fred does just that with Kramer giving himself a gold watch and pointing out that retirement falls more on us now.  Fred Sanford gets a lesson on how Social Security benefits are calculated and Archie Bunker schools us on inflation.  Those clips and more are featured in the podcast.  In the “Stump the Guru” segment Fred answers an interesting question from a listener about the possibility of gifting their assets to their parents. You can submit your question at www.moneymattersusa.net.  Just click podcast and the dropdown for Stump the Guru. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

What are some of the standard retirement rules?  How have they withstood the test of time?  How could they be good starting points.  Fred covers the 4 percent rule, the Rule of 72, the 60/40 Stock/Bond Rule, and the Rule of 100.  In the Stump the Guru segment Fred offers a detailed answer to a couple listing their assets and wanting to know if they could be independent and comfortable in their retirement.  You can submit your question at www.moneymattersusa.net.  Just click podcast and the dropdown for Stump the Guru. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred discusses the strategies to give you confidence in your retirement plan.  These include eliminating debt and building your savings, having a sound retirement budget, a clear proactive tax plan, and maximizing Social Security.  He also stresses the need for couples to be on the same page in this team retirement effort. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred discusses the best proactive responses to retirement strategies including long-term care, health care, living on pre-taxed income, and factoring inflation.  He also addresses concerns of pre-retirees and retirees and offers good questions to ask of yourself.  These include:“do I have a plan” “do I have a budget” “do I have income built into my plan” “am I working with a retirement specialist?”  In the Stump the Guru segment, Fred answers questions about annuities and inherited IRAs. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred’s special guest on the podcast is Dax White who is managing partner with the White Law Group.  The subject is fraud and how to be vigilant in avoiding becoming a victim and what strategies are available to repair the situation if you have become the victim. You can reach Fred Saide by calling 800-593-8188. Money Matters USA The White Law Group

Fred takes a close look at Secure Act 2.0 and provisions that have already been enacted and looks ahead at what is to come in 2024.  He also discusses tax efficient retirement strategies. In the Stump the Guru segment, Fred answers a question from a listener concerned about delaying Social Security until age 70. You can submit your question at www.moneymattersusa.net.  Just click podcast and the dropdown for Stump the Guru. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred looks at moves to strongly consider when you’re still working but getting closer to that retirement date.  He includes taking advantage of catch-up contributions, looking into a health savings account, and reviewing the asset allocation.  Fred also runs down some of the ways retirement can be more expensive than we think.  In the Stump the Guru segment, Fred admitted to slightly being “stumped” because he had to do some research in answering a question about whether to replace an older annuity with a new one.  That person gets a gift from Fred.  You can submit your question at www.moneymattersusa.net.  Just click podcast and the dropdown for Stump the Guru. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred gives us what we need to consider when we enter the Financial Red Zone near retirement in the phases of 7 to 10 years, 5 to 7 years, and 3 to 5 years out.  He also discusses expenses in retirement and the importance of knowing what could go up and what could go down.  In the Stump the Guru segment, Fred answers a question about Social Security and about missing RMDs.  You can submit your question at www.moneymattersusa.net.  Just click podcast and the dropdown for Stump the Guru. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred addresses concerns of retirees involving their feeling of inadequate savings and their worries of inflation, higher interest rates, and unstable markets.  He demonstrates how he can help keep in check the inevitable emotions that creep into retirement planning.  In the Stump the Guru segment, Fred answers a question about Social Security claiming strategies. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred notes retirement confidence could be falling to 2008 levels and offers suggestions on restoring confidence in areas such as inflation, volatility, and even Social Security uncertainty.  Fred also points out some good “journey to retirement” practices like staying on track with savings, maximizing the 401(k) match, and minimizing fees. You can reach Fred Saide by calling 800-593-8188. Money Matters USA

Fred talks about strategies to consider in the financial red zone, 5-10 years from retirement.  He then discusses the advantages to consider when looking at the Roth IRA option.  In the Stump the Guru segment, Fred addresses a concern from a listener who asked their accountant if they should convert taxable IRA assets to a Roth.  They mentioned the accountant’s opinion of Roth as being inefficient.  Listen to Fred’s response. You can submit your question at www.moneymattersusa.net.  Just click podcast and the dropdown for Stump the Guru. You can reach Fred Saide by calling 800-593-8188. Money Matters USA