Kristina compares the features of various entrees to sound approaches to retirement planning.  Examples include a layered approach like with lasagna, customization to personal taste as in tacos, and taking calculated risks as people would with oysters.  She also helps simplify the somewhat overwhelming task of saving for retirement. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services www.yourpowerfullegacy.com

Kristina talks about the essential aspects of preparing for retirement, including understanding readiness, maximizing savings, budgeting, social security strategies, healthcare planning, and the importance of communication and proactive planning.  She emphasizes the need for a comprehensive review of retirement plans to ensure individuals are on track to meet their goals and maintain their desired lifestyle in retirement.  She also covers the various gaps that can hinder retirement planning, including knowledge, resources, self-doubt, and empowerment. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services www.yourpowerfullegacy.com

Kristina discusses the importance of financial planning across different life stages, particularly focusing on retirement strategies for Gen Xers. The discussion covers the significance of starting early with savings, understanding risk tolerance, and the need for comprehensive estate planning. Kristina emphasizes the unique challenges faced by Gen Xers, including debt management and the absence of traditional pensions, while providing actionable advice for maximizing retirement contributions and ensuring financial security. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina discusses the significant role emotions play in financial planning and retirement. She emphasizes the importance of understanding and managing emotions such as fear, anger, and disgust when making financial decisions. The discussion also covers practical strategies for year-end financial planning, including required minimum distributions (RMDs), maximizing contributions, and preparing for healthcare costs in retirement. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina discusses the lessons we can learn from historical monarchs about money and apply them to retirement planning.  She explores the financial strategies of Henry VIII, Louis XVI, Philip II, and Charles I, highlighting the importance of long-term planning, proactive financial management, transparency, and accountability.  She also emphasizes the need to avoid overextending oneself, make wise spending decisions, and seek the guidance of a financial advisor.  Kristina explains the concept of the financial red zone, which refers to the period close to retirement where individuals need to be conservative with their finances and have a decumulation strategy. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina explores the intersection of presidential races and economic policies and how they could affect financial futures, particularly for those nearing or enjoying retirement. She discusses past presidents and the economic policies of their administrations, highlighting lessons that can be learned.  She touches on topics such as high inflation, high interest rates, Social Security taxation, and the Affordable Care Act. The conversation emphasizes the importance of proper retirement planning, including budgeting, living within one's means, and avoiding procrastination. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina shares proactive strategies to sidestep common errors and secure a comfortable and stress-free retirement. She emphasizes the importance of starting retirement planning early, even in your 20s, and highlights the benefits of saving even small amounts. She also discusses the importance of managing debt, prioritizing contributions to investments, and considering Roth conversions to lessen the impact of required minimum distributions (RMDs). Additionally, Kristina emphasizes the need for long-term care planning, maintaining a healthy lifestyle, and setting financial goals that go beyond just money. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina discusses important considerations for individuals who are five years away from retirement.  She covers topics such as financial preparedness, debt management, healthcare planning, social security maximization, estate planning, and lifestyle goals in retirement.  Kristina also emphasizes the importance of updating estate plans regularly, considering tax implications, and communicating with loved ones about digital assets.  Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina discusses the topic of Roth conversions and whether they make sense for individuals. They explore the differences between Roth contributions and conversions, the tax implications of conversions, and the potential benefits for estate planning.  Kristina also discusses the challenges that Baby Boomers face in retirement, including the lack of pensions and low retirement savings. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina discusses the five basic steps to retirement planning: income planning, expense management, investment management, healthcare and long-term care planning, and estate planning. She emphasizes the importance of following these steps to create a solid foundation for retirement. Kristina also explores various income options in retirement, including Social Security, pensions, annuities, real estate, options contracts, and limited partnerships.  Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina discusses various retirement-related topics, including retirement savings, regrets, retirement destinations, and Social Security.  She highlights the financial challenges faced by retirees, particularly women, and the importance of comprehensive financial planning.  She also touches on the potential solutions for the Social Security funding issue, such as raising the cap on payroll taxes.  Overall, the conversation emphasizes the need for individuals to plan and save for retirement to ensure a comfortable and secure future. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina speaks to some recent financial news stories and ties them in to retirement planning.  Topics include retirement savings, regrets, retirement destinations, and Social Security. She highlights the financial challenges faced by retirees, particularly women, and the importance of comprehensive financial planning. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina discusses how to find the right financial advisor.  She emphasizes the importance of working with a professional who will look out for your best interests and help you create a comprehensive financial plan.  She also highlights the need for tax planning, income planning, estate planning, healthcare planning, and investment management in a retirement plan.  Kristina advises against working with advisors who push one product and encourages listeners to trust their gut and ask important questions when choosing an advisor. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina discusses the importance of investing in retirement and how it differs from investing during one's working years.  She covers topics such as risk tolerance, time horizon, and the need for growth to factor in inflation.  She also touches on the importance of considering unexpected expenses and opportunities, such as healthcare costs and enjoying retirement. Additionally, Kristina discusses legacy wishes and the importance of tax efficiency in estate planning. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina discusses the economic realities facing pre-retirees and retirees in the new retirement landscape.  She emphasizes the importance of proper retirement planning and offers steps to ensure a successful retirement. The topics covered include diversifying portfolios, creating reliable income sources, understanding retirement milestones, and the role of artificial intelligence in financial planning. The conversation highlights the need for human expertise and care in financial planning, as AI cannot replace the human factor. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina addresses the challenges faced by the wave of baby boomers retiring everyday.  The retirement of 10,000 baby boomers every day has significant impacts on Social Security, Medicare, housing, and the workforce.  It also raises concerns about taxes and legacy planning. The challenges faced by Social Security and Medicare, such as timing of benefits and rising healthcare costs, need to be addressed. The housing market is affected by boomers both downsizing and upsizing, as well as the demand for retirement communities.  Planning for retirement should include budgeting, considering healthcare needs, and preparing for the go-go years of retirement.  Kristina also discusses the implications of divorce in retirement, the importance of legacy planning, and the need for steady income in retirement. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina explores the financial regrets of retirees and the challenges they face in retirement planning. She delves into the impact of unexpected events, the role of women in retirement, and milestone ages for retirement planning. The discussion also covers the importance of tax planning and the need for confidence-building strategies for women approaching retirement. The conversation covers a wide range of retirement-related topics, including retirement age, social security, RMDs, Medicare, annuities, estate planning, dividend-paying stocks, and more. Reach Kristina Ping Kepperling at 844-593-8188. Powerful Legacy Insurance and Financial Services

Retirement is full of surprises, and how we deal with them can impact the success of our golden years. In this conversation, Kristina discusses the uncertainty in retirement and how to prepare for unexpected events. The main themes covered include healthcare expenses, home ownership maintenance, inflation, taxes, and the role of annuities in retirement planning. Kristina emphasizes the importance of proactive tax strategies, diversification of investments, and staying informed about political and economic factors that can affect retirement. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

This conversation covers various topics including Social Security, the economy, inflation, and retirement planning. Kristina discusses the fears and concerns people have about running out of money in retirement, taxes, market volatility, inflation, fees, and healthcare. She also touches on the opinions of billionaire Stanley Druckenmiller regarding fiscal and monetary policies. The conversation delves into the history of the Great Depression and compares it to the current economic situation. Kristina emphasizes the importance of planning for retirement, considering multiple income streams, and addressing the challenges facing Social Security and Medicare. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina clears up misconceptions about retirement and provides tips to help listeners save more. She also emphasizes that retirement is not an age or a number, but rather when the need can be met. Kristina discusses the importance of considering longevity and the risk of running out of money in retirement. She shares the story of Ida Mae Fuller, the first person to collect Social Security, and highlights the need for guaranteed lifetime income. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Kristina discusses regrets such as not saving enough for retirement, failing to take advantage of interest-bearing accounts, taking on too much credit card debt, and not saving money for emergencies. She also talks about the importance of including both spouses in the financial planning process and finding a balance between saving for the future and enjoying life in retirement. She also touches on the importance of retirement planning and the impact of economic news on personal finances. Topics include inflation, taxes, and the retirement crisis. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

Starting retirement savings in your 50s requires patience and strategic actions. Increasing contributions and reassessing risk are important steps. Giving yourself more time to work and delaying retirement can also be beneficial. Maximizing Social Security benefits and considering downsizing or relocating can help with financial stability. Managing debt and exploring low-risk investments like rental properties, bond funds, and high-yield savings accounts are options to consider. Investing time in hobbies or starting a small business can also generate income.  Kristina discusses strategies for building a strong retirement plan. She emphasizes the importance of considering taxes and offers a retirement tax bill calculator to help individuals estimate their tax obligations. Reach Kristina at 844-823-6387. Powerful Legacy Insurance and Financial Services

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