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

Kristina covers retirement savings strategies to consider and some to at least give a second thought.  She discusses fixed annuities, Roth IRAs, Dividend Aristocrats, and Health Savings Accounts as some vehicles to strongly consider.  She also stresses being properly proportioned as to how much you keep in a savings account, the pros and cons of CDs and Money Markets, and how much you should have in low risk investments. She talks about the Fed and the effect that rising interest rates could have on your portfolio. You can reach Kristina Ping Kepperling by calling 844-823-6387. Powerful Legacy Insurance and Financial Services

Proper planning makes the transition from accumulation to distribution go much smoother.  Marty discusses the process with a conversation on moving away from accumulation and easing into distribution.  He also addresses little ways in boosting accumulation in the financial red zone that can make a big difference.  Marty moves into good ways to help your grandchildren monetarily and by sharing your wisdom. You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

Kristina covers some strategies to help eliminate worrying about your retirement savings and running out of money in retirement.  Those include paying off debt, determining retirement spending needs, practicing retirement spending, and investing in the right type of insurance.  She then reveals some retirement stats related to longevity and planning for that, accessing retirement funds too early, and planning for the possibility of being forced into retirement before you’re ready.  What are signs that you may not be ready to retire?  Kristina talks about those who are looking for a quick retirement fix and spending without a plan. You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

There are new savings and tax opportunities that could be utilized.  Kristina covers new income tax brackets and withholdings, the raising of standard deductions, contribution limits, and the RMD age.  She offers an in depth look at annuities including the different types and the pros and cons.  She then discusses what to consider in the event of the passing of a spouse.  Topics covered include the tax implications, the changes in income, and making sure to consider avoiding decisions such as unplanned withdrawals. You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

Kristina discusses the impact of taxes on retirement and steps to counteract that impact.  She explains how withdrawals from retirement accounts and pensions can be taxed.  She also talks about the calculation of provisional income and how that can make your Social Security subject to taxation.  What are the milestone ages in your retirement journey?  Kristina goes over the important ages and even introduces a couple of new ones.  You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

Kristina highlights mistakes to avoid in retirement planning including not factoring inflation and longevity, overestimating income, and not finding the balance of conservative and aggressive in investing.  She looks at life events when it is important to consult your financial professional.  Those include job change or loss of job, marriage, divorce, loss of spouse, and caring for a parent.  Then she moves into a conversation which points out how retirement of today is different from that of our parents and grandparents.  Certainly, the dwindling away of the private sector pension is included along with longevity, changing habits of how and when we retire, and health care concerns that can come with a longer life. You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

Now that it has passed, Kristina reviews some of the key provisions of Secure Act 2.0 including the raising of the RMD age, additional catch-up opportunities, and expanded Roth contributions.  She looks at lessons that can be learned from 2022 and how to move forward towards retirement in a stronger position and then dispels some common retirement myths. You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

Kristina discusses unique challenges women face in planning for retirement and much of this can be attributed to the longevity of women.  She also offers good retirement planning tips for 2023 and strategies to consider in making sure you have enough money in retirement. You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

Kristina covers some solid planning tips to help you retire in a challenging economy in 2023.  Understanding sequence of returns and possibly delaying Social Security are part of the conversation.  What are some important questions you should be able to answer when considering your retirement and income plan?  Those include your budget, your tax strategies, long-term care protection, and other sources of income in your retirement.  Kristina also covers protecting your income in retirement. You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

Kristina covers strategies to implement when in the financial red zone which is five to ten years away from retirement.  These include looking at funding your 401(k) to the max, rethinking your 401(k) assignments, and looking at traditional and Roth IRAs.  She also addresses financial challenges head on like high inflation and possible recession and the need to build, plan, strategize, explore, and review. You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

Kristina reminds us that, even though you may choose to work in your seventies, there are still retirement planning considerations.  Among those are how it will work with your RMDs, Social Security claiming strategies, and how working could impact your tax situation. She also addresses the fear of running out of money in retirement with moves to consider to help make your money last.  Those include creating a floor, bucketing your money, making systematic withdrawals, and using account sequencing.  Kristina also points out some retirement planning mistakes to avoid in December with the end of the year approaching. You can reach Kristina Ping Kepperling by calling 800-832-1100. Your Powerful Legacy Insurance and Financial Services

Kristina stresses the need to make sure you stay on track with your retirement savings in the financial red zone and offers solutions to avoid the obstacles.  Those include inflation, stock market volatility, unexpected expenses, and debt.  She then offers detours around those roadblocks that could keep you from your retirement target date and clarifies some common misconceptions about your 401(k). You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

Kristina covers the approach you should take regarding tax strategies in retirement.  This includes connecting taxing with outflow as well as income, spending down traditional IRAs, and the consideration of Roth conversions and contributions. She offers good spending habits to help stretch your retirement budget and then warns against advice from non-professionals. You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

What are good questions to ask your financial professional in times of economic turmoil?  Kristina covers some of these including long-term planning, diversification, and whether or not to change course.  She also warns of retirement mistakes to avoid and offers reminders of the changes to legacy planning which came with the original Secure Act. You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

Kristina looks at strategies to have in place when you first retire.  She covers the adjustment period, prioritizing expenses, continuing to save, having a Social Security Strategy, and seeking out professional help.  Kristina also discusses the next wave of retirees-Generation X.  These are the people born between 1965 and 1980.  The older ones are clearly in the financial red zone but are they ready?  She looks at a survey that will give some insight.  Then she moves into some things to consider at the end of the year including maximizing your 401(k), IRA, Roth, and Health Savings Account savings and looking at strategic tax moves. You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services

Kristina covers steps to consider that can help you have the kind of retirement you’ve always wanted.  Those include setting a retirement date goal, creating that retirement budget, assessing your journey to retirement, and solving for any gaps.  Then she identifies four financial gaps that could stand between you and your retirement.  They are the knowledge, resources, perception, and empowerment gap.  Kristina also covers in the podcast the importance of capital preservation, the breakdown of annuities, and how important timing is in your retirement savings efforts. You can reach Kristina Ping Kepperling by calling 800-832-1100. Powerful Legacy Insurance and Financial Services