Is Social Security really going broke, and does that mean you should take it as soon as possible? In this episode, Randy and Peggy Fisher unpack one of the most common—and emotional—retirement misconceptions. They discuss how Social Security is funded, what could change in the future, and why rushing to claim benefits without context can create long-term tradeoffs. The conversation also explores income gaps, survivor benefits, and why one-size-fits-all advice misses the mark.

For more information visit www.therealretireesofnewjersey.com!

Is Social Security really going broke, and does that mean you should take it as soon as possible? In this episode, Randy and Peggy Fisher unpack one of the most common&mdash;and emotional&mdash;retirement misconceptions. They discuss how Social Security is funded, what could change in the future, and why rushing to claim benefits without context can create long-term tradeoffs. The conversation also explores income gaps, survivor benefits, and why one-size-fits-all advice misses the mark.
For more information visit <a href="https://www.therealretireesofnewjersey.com">www.therealretireesofnewjersey.com</a>!

Welcome to The Real Retirees of New Jersey, hosted by Peggy and Randy Fisher. Whether you're recently divorced and confused about how to plan for your own retirement, a widow who never had to manage finances before or a couple trying to live your best life in retirement, Peggy and Randy's real life experiences with real retirees in New Jersey will inspire you!

Follow or subscribe today and never miss an episode!  

Learn more about how Peggy and Randy can help you with your retirement based on your unique challenges and goals at Artemis Wealth Advisors and Liberty Financial Group. 

About Peggy and Randy Fisher:

Peggy is the Chief Operating Officer of Liberty Financial Group, along with her husband and business partner, Randy Fisher of Artemis Wealth Advisors.

Peggy’s mission is for her clients to “Retire Once and Retire Right.” Peggy likes to take the time to carefully learn each client’s unique needs and help them develop their own individualized retirement plan. Her boutique firm is designed for clients to have a one-stop shop where they can have their taxes, insurance, and retirement needs taken care of, all in one place.

Peggy’s articles have appeared in Forbes BrandVoice, and she is currently featured in 2023 Kiplinger’s magazine. She’s also been seen on ABC, CBS, and NBC.

Peggy lives in Flemington with Randy and their three children. Outside of the office, she enjoys doting on her three dogs, Calli, Bentley, and Odie, and her two cats Louis and Versace. She also loves to travel the world with her family.

Randy Fisher is a graduate of Rutgers University’s distinguished School of Business, where he earned a dual bachelor’s degree in Accounting and Finance. Randy has built four thriving, successful business entities over the past three decades.

As a financial commentator and published author, he holds a certified annuity specialist (CAS) certification, an accreditation which he earned from the Institute of Business & Finance, and is currently enrolled to earn his Certified Financial Planner (CFP) designation. He is a licensed investment advisor representative (IAR) with the firm Artemis Wealth Advisors, LLC. Randy is the founder and chief investment officer for Artemis Wealth Advisors, LLC., a registered investment advisory firm located in central Jersey.

Randy is often sought out as an industry platform speaker at national conferences and training events, and he regularly conducts private financial workshops and educational classes at universities for the American Retirement Institute. Due to his extensive knowledge of and work in the financial arena, Randy has been seen on Fox Business, heard on the radio at WEAB, WCTC, WMTR, WOR, ABC, CBS, and NBC, and has published many articles in Forbes, Fortune, CNN/Money, and Fox. “In the most basic sense, I use proven, unique retirement, investment and estate planning strategies to manage assets so that clients can retire with confidence, while sustaining their lifestyle by increasing their income efficiency through risk reduction and wealth protection,” says Randy. “In this industry, the end goal is quite common to everyone, but the journey is certainly unique for each circumstance and family.

Welcome to The Real Retirees of New Jersey, hosted by Peggy and Randy Fisher. Whether you're recently divorced and confused about how to plan for your own retirement, a widow who never had to manage finances before or a couple trying to live your best life in retirement, Peggy and Randy's real life experiences with real retirees in New Jersey will inspire you!
Follow or subscribe today and never miss an episode!  
Learn more about how Peggy and Randy can help you with your retirement based on your unique challenges and goals at <a href="https://bit.ly/3UrZRYD">Artemis Wealth Advisors</a> and <a href="https://bit.ly/4aHuOhl">Liberty Financial Group</a>. 
<hr>
About Peggy and Randy Fisher:
Peggy is the Chief Operating Officer of Liberty Financial Group, along with her husband and business partner, Randy Fisher of Artemis Wealth Advisors.
Peggy’s mission is for her clients to “Retire Once and Retire Right.” Peggy likes to take the time to carefully learn each client’s unique needs and help them develop their own individualized retirement plan. Her boutique firm is designed for clients to have a one-stop shop where they can have their taxes, insurance, and retirement needs taken care of, all in one place.
Peggy’s articles have appeared in Forbes BrandVoice, and she is currently featured in 2023 Kiplinger’s magazine. She’s also been seen on ABC, CBS, and NBC.
Peggy lives in Flemington with Randy and their three children. Outside of the office, she enjoys doting on her three dogs, Calli, Bentley, and Odie, and her two cats Louis and Versace. She also loves to travel the world with her family.
Randy Fisher is a graduate of Rutgers University’s distinguished School of Business, where he earned a dual bachelor’s degree in Accounting and Finance. Randy has built four thriving, successful business entities over the past three decades.
As a financial commentator and published author, he holds a certified annuity specialist (CAS) certification, an accreditation which he earned from the Institute of Business &amp; Finance, and is currently enrolled to earn his Certified Financial Planner (CFP) designation. He is a licensed investment advisor representative (IAR) with the firm Artemis Wealth Advisors, LLC. Randy is the founder and chief investment officer for Artemis Wealth Advisors, LLC., a registered investment advisory firm located in central Jersey.
Randy is often sought out as an industry platform speaker at national conferences and training events, and he regularly conducts private financial workshops and educational classes at universities for the American Retirement Institute. Due to his extensive knowledge of and work in the financial arena, Randy has been seen on Fox Business, heard on the radio at WEAB, WCTC, WMTR, WOR, ABC, CBS, and NBC, and has published many articles in Forbes, Fortune, CNN/Money, and Fox. “In the most basic sense, I use proven, unique retirement, investment and estate planning strategies to manage assets so that clients can retire with confidence, while sustaining their lifestyle by increasing their income efficiency through risk reduction and wealth protection,” says Randy. “In this industry, the end goal is quite common to everyone, but the journey is certainly unique for each circumstance and family.

The Real Retirees of New Jersey

Welcome to The Real Retirees of New Jersey, hosted Peggy and Randy Fisher. Whether you're recently divorced and confused about how to plan for your own retirement, a widow who never had to manage finances before or a couple trying to live your best life in retirement, Peggy and Randy's real life experiences with real retirees in New jersey will inspire you!

Follow or subscribe today and never miss an episode!  

Learn more about how Peggy and Randy can help you with your retirement based on your unique challenges and goals at Artemis Wealth Advisors and Liberty Financial Group. 

About Peggy and Randy Fisher:

Peggy is the Chief Operating Officer of Liberty Financial Group, along with her husband and business partner, Randy Fisher of Artemis Wealth Advisors.

Peggy’s mission is for her clients to “Retire Once and Retire Right.” Peggy likes to take the time to carefully learn each client’s unique needs and help them develop their own individualized retirement plan. Her boutique firm is designed for clients to have a one-stop shop where they can have their taxes, insurance, and retirement needs taken care of, all in one place.

Peggy’s articles have appeared in Forbes BrandVoice, and she is currently featured in 2023 Kiplinger’s magazine. She’s also been seen on ABC, CBS, and NBC.

Peggy lives in Flemington with Randy and their three children. Outside of the office, she enjoys doting on her three dogs, Calli, Bentley, and Odie, and her two cats Louis and Versace. She also loves to travel the world with her family.

Randy Fisher is a graduate of Rutgers University’s distinguished School of Business, where he earned a dual bachelor’s degree in Accounting and Finance. Randy has built four thriving, successful business entities over the past three decades.

As a financial commentator and published author, he holds a certified annuity specialist (CAS) certification, an accreditation which he earned from the Institute of Business & Finance, and is currently enrolled to earn his Certified Financial Planner (CFP) designation. He is a licensed investment advisor representative (IAR) with the firm Artemis Wealth Advisors, LLC. Randy is the founder and chief investment officer for Artemis Wealth Advisors, LLC., a registered investment advisory firm located in central Jersey.

Randy is often sought out as an industry platform speaker at national conferences and training events, and he regularly conducts private financial workshops and educational classes at universities for the American Retirement Institute. Due to his extensive knowledge of and work in the financial arena, Randy has been seen on Fox Business, heard on the radio at WEAB, WCTC, WMTR, WOR, ABC, CBS, and NBC, and has published many articles in Forbes, Fortune, CNN/Money, and Fox. “In the most basic sense, I use proven, unique retirement, investment and estate planning strategies to manage assets so that clients can retire with confidence, while sustaining their lifestyle by increasing their income efficiency through risk reduction and wealth protection,” says Randy. “In this industry, the end goal is quite common to everyone, but the journey is certainly unique for each circumstance and family.

Welcome to The Real Retirees of New Jersey, hosted Peggy and Randy Fisher. Whether you're recently divorced and confused about how to plan for your own retirement, a widow who never had to manage finances before or a couple trying to live your best life in retirement, Peggy and Randy's real life experiences with real retirees in New jersey will inspire you!
Follow or subscribe today and never miss an episode!  
Learn more about how Peggy and Randy can help you with your retirement based on your unique challenges and goals at <a href="https://bit.ly/3UrZRYD">Artemis Wealth Advisors</a> and <a href="https://bit.ly/4aHuOhl">Liberty Financial Group</a>. 
<hr>
About Peggy and Randy Fisher:
Peggy is the Chief Operating Officer of Liberty Financial Group, along with her husband and business partner, Randy Fisher of Artemis Wealth Advisors.
Peggy’s mission is for her clients to “Retire Once and Retire Right.” Peggy likes to take the time to carefully learn each client’s unique needs and help them develop their own individualized retirement plan. Her boutique firm is designed for clients to have a one-stop shop where they can have their taxes, insurance, and retirement needs taken care of, all in one place.
Peggy’s articles have appeared in Forbes BrandVoice, and she is currently featured in 2023 Kiplinger’s magazine. She’s also been seen on ABC, CBS, and NBC.
Peggy lives in Flemington with Randy and their three children. Outside of the office, she enjoys doting on her three dogs, Calli, Bentley, and Odie, and her two cats Louis and Versace. She also loves to travel the world with her family.
Randy Fisher is a graduate of Rutgers University’s distinguished School of Business, where he earned a dual bachelor’s degree in Accounting and Finance. Randy has built four thriving, successful business entities over the past three decades.
As a financial commentator and published author, he holds a certified annuity specialist (CAS) certification, an accreditation which he earned from the Institute of Business &amp; Finance, and is currently enrolled to earn his Certified Financial Planner (CFP) designation. He is a licensed investment advisor representative (IAR) with the firm Artemis Wealth Advisors, LLC. Randy is the founder and chief investment officer for Artemis Wealth Advisors, LLC., a registered investment advisory firm located in central Jersey.
Randy is often sought out as an industry platform speaker at national conferences and training events, and he regularly conducts private financial workshops and educational classes at universities for the American Retirement Institute. Due to his extensive knowledge of and work in the financial arena, Randy has been seen on Fox Business, heard on the radio at WEAB, WCTC, WMTR, WOR, ABC, CBS, and NBC, and has published many articles in Forbes, Fortune, CNN/Money, and Fox. “In the most basic sense, I use proven, unique retirement, investment and estate planning strategies to manage assets so that clients can retire with confidence, while sustaining their lifestyle by increasing their income efficiency through risk reduction and wealth protection,” says Randy. “In this industry, the end goal is quite common to everyone, but the journey is certainly unique for each circumstance and family.