Kristina discusses various tips and strategies to help listeners prepare for retirement. They cover topics such as Roth opportunities, managing student loan debt, eliminating required minimum distributions (RMDs) on Roth 401(k)s, catch-up contributions, delaying Social Security, sequence of returns risk, downsizing or relocating in retirement, combating inflation, and the importance of communication and planning for couples. She also touches on the importance of understanding fees and commissions that can eat away at retirement savings. Kristina discusses the importance of understanding and managing fees in investment portfolios. She highlights the various fees associated with mutual funds, index funds, and exchange-traded funds, and emphasizes the need for transparency in fee structures. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

In this conversation, Kristina discusses the importance of asking your financial advisor about inflation and its impact on your retirement plan. She covers topics such as long-term financial planning, inflation's effect on budgeting, the potential for inflated tax rates, tax strategies, common financial mistakes to avoid, and the importance of having a comprehensive retirement plan. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

The conversation covers various retirement planning concerns including taxes, inflation, consumer debt, and lacking emergency savings. The economic landscape and the financial crisis are discussed, along with the challenges of spending issues and inflation. The 4% rule and its relevance in today's retirement planning are explored, as well as the impact of longevity on retirement. The importance of taxes in retirement planning and strategies to mitigate tax burdens are highlighted. The conversation concludes with the significance of a comprehensive review and the importance of asking retirement-related questions. Reach Kristina Ping Kepperling at 844-823-6387. Powerful Legacy Insurance and Financial Services

In this conversation, Kristina discusses various aspects of retirement planning. The conversation covers topics such as early retirement considerations, managing debt in retirement, risk management, organizing and decluttering, healthcare considerations before 65, mental preparation for retirement, preparing for retirement consultations, withdrawal strategies, tax implications, and checking social security earnings history.  Kristina discusses various topics related to retirement planning. They cover the implications of divorce in retirement, the importance of getting reacquainted with your spouse, leaving unequal inheritances to children, the need to continue saving in retirement, the option of working part-time, saying no to adult children's requests for money, retiring at the same or different times as a couple, choosing between a traditional IRA and a 457 plan, returning funds to a Roth IRA after distribution, and finding the right financial advisor. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

In this conversation, Kristina discusses the importance of spring cleaning and refreshing the budget, building an emergency fund, managing debt, increasing retirement contributions, proactive tax planning, asset allocation and risk tolerance, emotional decision-making in retirement, reviewing financial life and getting organized.  She also notes the connection between March Madness and financial planning, the fundamentals of retirement planning, balancing a retirement plan, the impact of emotion and risk in retirement, and the importance of taking control of retirement planning. You can reach Kristina by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

In this conversation Kristina discusses retirement saving strategies, with a focus on Roth accounts and conversions. She emphasizes the importance of considering future tax changes and the potential impact on retirement income. Kristina also explores proposed changes to Social Security and the evolution of the program over the years. She highlights the significance of proactive tax strategies and the role of taxes in retirement planning. Overall, the conversation provides valuable insights into optimizing retirement savings and navigating the complexities of the tax system. You can reach Kristina by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

The conversation covers various topics related to taxation in retirement, including the taxation of Social Security, pensions, interest-bearing accounts, stocks, bonds, mutual funds, traditional IRAs, 401(k)s, life insurance proceeds, savings bonds, annuities, and home sales. The conversation also explores the benefits and strategies of Roth IRAs, including contributions, conversions, withdrawals, and tax brackets. Additionally, Kristina emphasizes the importance of having a bucket list and incorporating it into retirement planning.  You can reach Kristina by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina covers what needs to be checked off this list before you retire.  This includes budgeting, building income, healthcare and tax planning, legacy planning, and maximizing Social Security.  She also offers tips to help make sure you’re in sync with your spouse as you approach retirement. You can reach Kristina by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

In this episode, Kristina discusses how football plays can tie in with financial and retirement strategies. She emphasizes the importance of identifying and addressing retirement gaps, such as income shortfalls and health coverage gaps. Kristina also highlights the role of building a personal pension and the benefits of considering annuities. She advises listeners to plan for inflation and create a backup plan for unexpected events. Additionally, she discusses the importance of protecting assets and legacy planning.  Kristina concludes by highlighting her role as a retirement coach and inviting listeners to schedule a complimentary consultation. You can reach Kristina by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

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 with Kristina at the beginning of the podcast as she talks about knowing when you can retire so you don’t work longer than necessary, not being lonely, not having an unfulfilled retirement, and not squandering the early “go-go” years.  Then the conversation moves to considerations married couples must give to have a good team effort in retirement. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

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 Kristina Ping Kepperling at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina answers the most frequently asked questions about annuities.  How do they differ from traditional savings and brokerage accounts?  What are the benefits and potential drawbacks?  What types of annuities are there?  Get the answers in this podcast.  The conversation then shifts to that shift in your financial life from accumulation to the necessary strategies in retirement. Contact Kristina Ping Kepperling at 844-823-6387. Powerful Legacy Insurance and Financial Services

Warnings of what could harm your retirement start off the podcast with a discussion on having a budget, automating your savings and payments, planning for healthcare costs, and not relying too heavily on being able to work longer.  Then we take a look at what a retirement portfolio stress test could be for you. You can reach Kristina by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina provides the answers to some commonly asked and very important questions regarding proper retirement planning.  She also looks at what should be considered in shoring up your retirement in the new year.  These include revisiting your household budget, checking your emergency fund, tackling debt, establishing financial goals, and reviewing your asset allocation. You can reach Kristina by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

You’ll hear clips from familiar movies and a sitcom with a holiday theme.  Kristina takes these clips and shares retirement and financial lessons we can learn from them.  She also looks at how we can learn from the ghosts of Christmas retirement past and present and apply those lessons for the future. You can reach Kristina by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina 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.  How should you mirror the traits of successful CEOs in our retirement?  That’s also covered in this podcast. You can reach Kristina by calling 844-823-6397. Powerful Legacy Insurance and Financial Services

Kristina 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.  She also looks at changes to Social Security coming in 2024 including the COLA, maximum taxable earnings increasing as well as the earnings test.  Then the conversation turns to what you may face in retirement such as restlessness and the need to re-define yourself. You can reach Kristina Ping Kepperling at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina reviews Secure Act 2.0 in looking at the provisions that are currently in place and what we can expect in 2024.  She also provides answers for ten frequently asked questions by those nearing retirement. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina addresses common retirement fears and offers solutions to overcome them.  Some of the fears include inflation, Social Security and the future of it, market volatility, and the cost of health care.  Kristina also discusses some things you should do and some things you should avoid in your retirement planning process. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

The 2023 Mercer CFA Institute’s Global Pension Index recently rated retirement systems around the world.  The U.S. earned a C+.  Kristina examines that and discusses ten steps to strongly consider in an effort to score an A+ in your retirement. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina runs through some common excuses people give for not seeking the help of a financial professional when nearing retirement.  She counters these with good reasons why it is critical to work with a financial partner.  Some excuses are: “I’m a DIY (do it yourself) person” Scary! “I’m already retired” Don’t forget second opinion. “I get my advice from friends and family” “Danger Will Robinson!” “I don’t know where to begin” A phone call is a good first step. You can reach Kristina Ping Kepperling at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina offers information on the different scam operations out there and tips to avoid them.  She 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 Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina 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.  She also looks into the financial and retirement mindset and strategies that can build confidence in your journey to and through retirement. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina starts the conversation by breaking down the massive baby boomer generation and discussing what needs to be considered by middle and late baby boomers.  She devotes the rest of the podcast in cutting through misinformation and declaring whether retirement statements are fact, fiction, or somewhere in between. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina dissects some of the more notable quotes from legendary investor Warren Buffet.  She discusses 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.  Kristina also shares some strategies to implement and some to avoid in helping to make sure you don’t run out of money in retirement and then goes over some hypothetical case studies. Reach out to Kristina Ping Kepperling at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina starts with a look at a recent survey showing disturbing signs of insecurity among Americans approaching retirement.  Great suggestions are offered in helping to build confidence.  She also examines why people may procrastinate in implementing some good financial practices and discusses helpful tips in moving on these strategies. You can reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

We can learn from celebrities even when they make mistakes.  Kristina covers some bad celebrity financial moves from not having proper estate planning to overspending to getting in trouble over taxes.  She further gives tips on mistakes to avoid such as failing to have a tax plan, estate plan, or diversification.  How can you beef up your savings?  You’ll find some good suggestions in this podcast. You can reach Kristina Ping Kepperling at 844-823-6387. Powerful Legacy Insurance and Financial Services

At the opening of football season, Kristina discusses good offensive and defensive strategies to consider in retirement planning.  She talks about going on the offense with income built in, building wealth, diversifying, and creating a budget.  Defensive measures include bridging gaps, building an emergency fund, creating an estate plan, considering appropriate insurance, and looking at protective long term care strategies. You can reach Kristina Ping Kepperling at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina interprets quotes from George Foreman, Chris Rock, and Jonathan Clements and ties them into good retirement thinking.  2024 is the year of Peak 65. The largest number of Americans ever will reach age 65.   What should you be considering if you are nearing retirement.  That is also part of the conversation. You can reach Kristinia Ping Kepperling at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina takes the hot seat in answering retirement questions to see if she can win all the “show money.”  Questions range from FRA for Social Security to Roth strategies and from contribution limits to tax considerations.  She then dives into five critical components of retirement financial planning.  They are investment, tax, and income strategies, estate planning, and healthcare planning. You can reach Kristina Ping Kepperling at 844-823-6387. Powerful Legacy Insurance and Financial Services

It’s amazing how you can tie iconic TV sitcom scenes to retirement planning.  Kristina 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.  Kristina then schools us on annuities. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

What are some of the standard retirement rules?  How have they withstood the test of time?  How could they be good starting points.  Kristina covers the 4 percent rule, the Rule of 72, the 60/40 Stock/Bond Rule, and the Rule of 100.  She also gives information on Social Security in the form of a quiz. You can reach Kristina by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

What should you be considering now to help avoid retirement regrets?  Kristina covers everything from proper savings strategies to strategies for couples and building a realistic spending plan.  She also breaks down a lot of the claiming rules and strategies with Social Security. You can reach Kristina by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina discusses the best proactive responses to retirement strategies including long-term care, health care, living on pre-taxed income, and factoring inflation.  She also addresses concerns of pre-retirees and retirees and offer 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?” You can reach Kristina by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina demonstrates all of the considerations in gauging someone’s risk tolerance with questions to help determine the kind of investor they are to how they would react in the event of negative market activity.   She features comments from Warren Buffett on staying the course and discussed how we should look at bonds in today’s climate. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina 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.  She also addresses the excuses or justifications people make to delay seeking the help of a retirement professional. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina addresses some of the reasons people give for putting off seeking the help of a financial retirement professional including a feeling of being overwhelmed by it, thinking they don’t have enough money, and thinking it would be too expensive.  She looks how your financial strategies should be adjusted when you’re getting closer to retirement and then breaks down how retirement can be more expensive than most of us think and how to prepare for that. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina covers strategies to consider when you’re in the financial red zone during the period of seven to ten years, five to seven years, and three to five years out.  How is high inflation affecting your retirement.  That’s also part of the discussion as well as a look at retirement expenses. You can reach Kristina by calling 844-823-06387. Powerful Legacy Insurance and Financial Services

Kristina addresses concerns of retirees involving their feeling of inadequate savings and their worries of inflation, higher interest rates, and unstable markets.  She demonstrates how she can help keep in check the inevitable emotions that creep into retirement planning and then discusses sound retirement distribution strategies. You can reach Kristina by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina cites statistics from a couple of surveys that state the obvious.  Couples don’t necessarily see eye to eye when it comes to finances and retirement.  She stresses the need for compromise in areas such as risk, savings, and retirement target date.  She addresses retiree concerns like inflation, the state of Social Security, and longevity and gets back to basics with some good practices to make sure you’re on the right track to retirement. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina goes on the hot seat guessing the top answers from participants in a 2023 EBRI Employee Benefit Research Institute retirement confidence survey.  We cite results on concerns of pre-retirees and retirees in their comfort level on reaching retirement and living comfortably in retirement.  Kristina moves into strategies to consider in the financial red zone, 5-10 years from retirement.  She then discusses the advantages to consider when looking at the Roth IRA option. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina explains the importance of building income sources in your retirement and making sure they are in line with your expected expenses.  She dives into the subject of behavioral finance and how all the components relate to retirement planning.  She also highlights ways that money could be wasted in retirement such as excessive fees, overpayment in taxes, overspending, and ignoring healthcare costs. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

We give three statements about retirement consideration and Kristina points out the one that is not true and explains why.  She also expands on some of the ones that are true.  She covers valid retirement related questions that begin with the word “when” and points out areas to address in the planning process to help ease the anxiety of challenging economic times. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

What are people saying about their retirement?  We hit the street to find out.  You’ll hear peoples’ comments on their retirement plan and responses from Kristina.  She also covers the importance of having dependable income strategies in your retirement but also making sure you have a spending plan to go along with them. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

It’s amazing how you can take iconic movie clips and relate them to retirement planning.  If you’re skeptical about that, then listen to how Kristina relates lines from movies to what we should be considering in strategizing for retirement.  She brings back the popular retirement myth busters in correcting some common misconceptions about long term care protection, debt, Social Security, and safe money.  What are good questions to ask when meeting with a financial advisor?  Kristina covers some of them in this podcast. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

What are people searching for online when deciding to seek the help of a financial advisor?  Marty covers some of the top searches and relates them to his specialty of retirement strategies.  Some include what to bring to the first meeting, how are financial advisors compensated, and why is a financial advisor better than a robo-advisor.  He then explains why the age of 65 may be universally thought of as retirement age but that it’s different from person to person and explains why.  Then Marty moves into how to help ease that transition from accumulation to de-accumulation in retirement. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Following the failed attempt to override President Biden’s veto of the Labor Department ESG investment rule, Kristina explores the potential effects of that on the retirement savings efforts of Americans.  She also discusses the most recent interest rate hike.  What are red flags to watch out for when meeting with an investment advisor.  Some of these are covered here including high pressure sales, downplaying risk, and encouragement to go “all in” on one investment.  You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Marty looks at the situation in the banking sector in explaining the root causes and possible effects.  He also discusses protective strategies regarding this and the other financial challenges we face.  He covers regrets that many retirees have and how to avoid them and he clears up misconceptions in the retirement arena in areas such as Social Security, annuities, taxes, and the 4% rule. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Do you have strategies that help ease the fear of running out of money?  Kristina covers what to consider in helping to allay that fear including developing a spending plan, aggressively contributing to your retirement accounts, building an emergency fund, and preparing for health care costs.  She offers suggestions to help you stay on track in your retirement.  Kristina stresses to not give up on the stock market but to properly allocate your risk and to consider safer alternative investment options.  If you ask a retirement professional if you are ready to retire or how much you will need in retirement, you’ll probably get some questions from them to help them ascertain.  Questions covered in this podcast include if you’ve considered a “second act” in your retirement, how important your financial legacy is to you, and if you and your spouse or partner share your retirement lifestyle vision. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina goes over strategies to consider in building your retirement income.  He starts by discussing how retirement income building strategies are so much more important now than in the days when many people had a pension to count on.  She talks about risk tolerance, using tools like annuities, and even taking a hard look at your retirement date and your Social Security claiming age in the effort to make your money last in retirement.  She also breaks down the “rollover” strategies involving your 401(k), 403(b), and IRA. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services