The conversation delves into the complexities of 401(k) plans, focusing on the fees associated with them, the importance of managing old 401(k)s, and the financial awareness of athletes. Serena Williams may be able to afford not claiming prizes, but can you? David Meche, Kevin Blanchard and Kevin McAlpin emphasize the need for personalized retirement planning and the significance of understanding one's financial situation to ensure a secure retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the realities of retirement savings, emphasizing that the commonly cited figure of $1 million is not a one-size-fits-all solution. They explore the importance of understanding individual income and expenses in retirement, the need for flexibility in retirement planning, and the value of creating a personalized retirement plan that considers each person's unique situation. The discussion also highlights the significance of guaranteed income sources and the necessity of having a solid plan in place to ensure financial security in retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin McAlpin discuss the parallels between Halloween candy preferences and retirement planning, emphasizing the importance of understanding different retirement accounts like 401ks and IRAs. They highlight the need for diversification as individuals approach retirement and the significance of tax strategies in managing retirement income. The discussion aims to educate listeners on the complexities of retirement planning and the necessity of personalized financial advice. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard, along with Kevin McAlpin, discuss the importance of having a solid retirement plan, addressing common concerns and fears that individuals face as they approach retirement. They emphasize the need for financial education and clarity to help clients feel confident about their retirement decisions. The discussion also highlights the significance of understanding personal retirement goals and the necessity of a roadmap to achieve them. Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation delves into the complexities of 401(k) plans, focusing on the fees associated with them, the importance of managing old 401(k)s, and the financial awareness of athletes. Serena Williams may be able to afford not claiming prizes, but can you? David Meche, Kevin Blanchard and Kevin McAlpin emphasize the need for personalized retirement planning and the significance of understanding one's financial situation to ensure a secure retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche, Kevin Blanchard and Kevin McAlpin discuss the intersection of music and retirement, featuring an interview David had with members of Lynyrd Skynyrd. They explore the musicians' perspectives on retirement, their creative processes, and the healing power of music. The discussion highlights the importance of teamwork in both music and retirement planning, emphasizing that musicians, like financial advisors, are dedicated to their craft and their audiences. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin McAlpin discuss the parallels between Halloween candy preferences and retirement planning, emphasizing the importance of understanding different retirement accounts like 401ks and IRAs. They highlight the need for diversification as individuals approach retirement and the significance of tax strategies in managing retirement income. The discussion aims to educate listeners on the complexities of retirement planning and the necessity of personalized financial advice. Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation discusses the importance of having a contingency plan for retirement and preparing for unexpected events. It emphasizes the need to consider 'what if' scenarios and build in buffers when creating retirement plans. David and Kevin also highlight the importance of diversifying investments and working with a financial advisor to develop a structured retirement plan.  Ready to connect with David and Kevin?  Visit Meche & Associates today!

In this episode, Jerry Payne and Kevin Blanchard discuss the transition from teaching to financial advising, emphasizing the importance of easing client anxiety during initial meetings. They share personal anecdotes about teaching experiences and the significance of creating a comfortable environment for clients to discuss their retirement plans. The conversation highlights the need for personalized financial strategies and the positive impact of effective communication in alleviating client concerns. Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation discusses the importance of having a contingency plan for retirement and preparing for unexpected events. It emphasizes the need to consider 'what if' scenarios and build in buffers when creating retirement plans. David and Kevin also highlight the importance of diversifying investments and working with a financial advisor to develop a structured retirement plan.  Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the intersection of sports, particularly college football, and retirement planning. They draw parallels between the strategies used in poker and the importance of having a solid financial plan for retirement. The discussion emphasizes the need for calculated risks and the use of tools like Market Guard to manage investments effectively. The hosts also highlight the importance of community engagement through local sports and the role of financial advisors in guiding clients towards secure retirement strategies. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the concept of 'lazy money' in retirement portfolios and the importance of putting that money to work. They emphasize the need for cash accessibility for emergencies while also having a plan for long-term growth and savings. The conversation highlights the risks of keeping money in low-yield investments that do not outpace inflation. David and Kevin encourage listeners to explore better options for their retirement savings. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the Trump tax cuts and the potential expiration of the tax cuts and jobs act in 2025. They explore the option of Roth conversions and the potential for Congress to start taxing Roths in the future. They also discuss the importance of tax planning and mitigating taxes in retirement. The conversation then shifts to the coming problem with Social Security and the potential reduction of benefits in 2035. They discuss the use of income annuities as a tool to guard against the reduction of Social Security benefits. Overall, the conversation emphasizes the need for individuals to take control of their retirement income and plan for potential changes in tax laws and Social Security benefits. Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation discusses the importance of timing when it comes to taxes and retirement planning. It emphasizes the need to be aware of tax brackets and how different sources of income can affect tax rates. David and Kevin also highlight the significance of pre-planning and taking action to reduce tax liability. They mention strategies such as Roth conversions and timing Social Security benefits to minimize taxes. The conversation concludes with a reminder to stay informed and make informed decisions about taxes and retirement planning. Ready to connect with David and Kevin?  Visit Meche & Associates today!

In this episode, Kevin Blanchard discusses the recent market volatility and the importance of having the right retirement plan in place. He shares insights from financial author Robert Prechter and emphasizes the need to stay calm and not panic. Kevin highlights the benefits of using MarketGuard for non-emotional, methodical, and mathematical portfolio management. He also mentions the role of communication and personalized planning in Meche & Associates' approach.  Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation discusses the recent market volatility and the concerns surrounding a possible recession. It also explores the addiction to stocks among the baby boomer generation and the importance of diversification. The hosts emphasize the need for a second opinion and offer reassurance to listeners about their retirement plans. They also touch on the topic of required minimum distributions (RMDs) and the potential penalties for not taking them.  Ready to connect with David and Kevin?  Visit Meche & Associates today!

In this podcast episode, Kevin and Jerry discuss NFL players who made money mistakes and lost millions. They highlight the cases of Johnny Unitas, Warren Sapp, Terrell Owens, Chad Ochocinco, and Dan Marino. The hosts emphasize the importance of having a financial plan and working with professionals to avoid financial pitfalls in retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the Summer Olympics and the tax implications of retirement. They share their favorite sports in the Olympics and discuss the taxes that American athletes have to pay on their winnings. They then dive into the topic of taxes in retirement, explaining the different sources of income and how they are taxed. They emphasize the importance of creating a workable plan to mitigate taxes in retirement. The conversation concludes with a discussion on forced distributions from retirement accounts and the need to have a suitable portfolio for retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation discusses the importance of having a contingency plan for retirement and preparing for unexpected events. It emphasizes the need to consider 'what if' scenarios and build in buffers when creating retirement plans. David and Kevin also highlight the importance of diversifying investments and working with a financial advisor to develop a structured retirement plan.  Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss various topics related to retirement planning and changing financial advisors. They also touch on the recent shooting at a Donald Trump rally and the importance of communication with clients. The conversation concludes with a discussion on the decision to retire early and the considerations that need to be taken into account, such as healthcare coverage. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the topic of artificial intelligence (AI) and its role in financial planning. They highlight the limitations of AI in providing personalized advice and building trust with clients. They also introduce MarketGuard, a proprietary tool they use to reduce volatility and protect clients' investments. The conversation then shifts to the current state of the stock market and the potential for a correction. David and Kevin emphasize the importance of diversification and having a proactive approach to investment strategies. Ready to connect with David and Kevin?  Visit Meche & Associates today!

In this conversation, David Mesh and Kevin Blanchard discuss what to look for in a financial advisor, as well as the importance of starting retirement planning early. They also highlight the need for a holistic approach to retirement planning, including estate planning and tax considerations. The conversation emphasizes the importance of finding a fiduciary advisor who puts the client's needs first. The hosts share their passion for helping clients protect and grow their wealth, and stress the need for a personalized approach to retirement planning. Ready to connect with David and Kevin?  Visit Meche & Associates today!

In this conversation, Kevin Blanchard discusses the current state of the stock market and the rise of 401k millionaires. He explores the options available to individuals who have reached this milestone and suggests considering taking profits and diversifying investments. Kevin also highlights the importance of having a well-designed portfolio strategy, such as MarketGuard, that can determine the right time to hold or sell positions. He compares portfolio construction to baking cookies, emphasizing the need for the right ingredients, asset selection, and allocation. Additionally, Kevin discusses alternative options outside of 401ks, such as Roth IRAs and max funded life insurance, and addresses the possibility of the government eliminating pre-tax contributions in 401ks. He encourages listeners to schedule a consultation to explore these options further. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the Trump tax cuts and the potential expiration of the tax cuts and jobs act in 2025. They explore the option of Roth conversions and the potential for Congress to start taxing Roths in the future. They also discuss the importance of tax planning and mitigating taxes in retirement. The conversation then shifts to the coming problem with Social Security and the potential reduction of benefits in 2035. They discuss the use of income annuities as a tool to guard against the reduction of Social Security benefits. Overall, the conversation emphasizes the need for individuals to take control of their retirement income and plan for potential changes in tax laws and Social Security benefits. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David Meche and Kevin Blanchard discuss the importance of having a proactive investment strategy and introduce Market Guard, a proprietary portfolio management strategy. They emphasize the need for a plan that can adapt to market changes and protect against volatility. They also highlight the benefits of Market Guard, including intelligent algorithms and a team of experts who monitor clients' portfolios. The conversation then shifts to the topic of required minimum distributions (RMDs) and the potential tax implications. David and Kevin provide strategies to minimize taxes and keep more money in retirees' pockets. Ready to connect with David and Kevin?  Visit Meche & Associates today!

David and Kevin share personal stories and insights about retirement, inspired by their fathers. They emphasize the importance of enjoying retirement and being financially prepared. They also discuss the challenges retirees may face and provide advice on financial planning and decision-making. Ready to connect with David and Kevin?  Visit Meche & Associates today!

This conversation with David and Kevin centers on the amount of money needed for retirement. They also touch on the potential traps and challenges of retirement. David and Kevin also talk about the impact of Social Security and the significance of guaranteed income sources. Ready to connect with David and Kevin?  Visit Meche & Associates today!

The conversation starts with a discussion on the performance of different asset classes, highlighting the benefits of cash. The conversation then transitions to the importance of having a plan for retirement and the potential risks of not having one. The hosts also discuss the stages of retirement and the need for a comprehensive retirement income analysis. The conversation concludes with a mention of a study on afternoon slumps at work and the importance of preparing for the different phases of retirement. Ready to connect with David and Kevin?  Visit Meche & Associates today!

In this conversation, David Mesh and Kevin Blanchard discuss what to look for in a financial advisor, as well as the importance of starting retirement planning early. They also highlight the need for a holistic approach to retirement planning, including estate planning and tax considerations. The conversation emphasizes the importance of finding a fiduciary advisor who puts the client's needs first. The hosts share their passion for helping clients protect and grow their wealth, and stress the need for a personalized approach to retirement planning. Ready to connect with David and Kevin?  Visit Meche & Associates today!

Has the age of retirement changed from 65 to 75? David Meche and Kevin Blanchard discuss a recent study that says more people are working longer than ever before and what is causing this change. They also how to figure out the amount of risk in your portfolio. 

Has the government put an expiration date on the 401(K) plan? David Meche and Kevin Blanchard discuss recent articles saying a change could be coming to retirement plans. They also talk about removing your emotions from a financial plan and outdated rules of retirement. 

What percentage of your retirement savings should you spend each year to make it last as long as you do? David Meche and Kevin Blanchard discuss if there is a magic number for spending your portfolio. They also talk about paying out of pocket medical expenses as well as the options that may be available to you and your family. 

Contributing to a 401(K) in your working years may seem easy, but there may be a problem you will face once that ends. Kevin Blanchard discusses the importance of creating income in retirement. He also talks about Shaq and why you should surround yourself with people who are smarter than you. 

Multiple major companies have announced future layoffs that some believe could send the economy into a recession, but what does that mean for your retirement future and better yet, are they right? David Meche and Kevin Blanchard discuss their thoughts on the financial direction of the economy and share ways to build protection inside of your portfolio. 

What affect does a Presidential Election have on your retirement savings? David Meche and Kevin Blanchard discuss past election to see what kind of trends they most commonly see in election years. They also talk about social security and tying it to the stock market. 

Would you fly in an airplane with no pilot? Would you let computer control your retirement portfolio? David Meche and Kevin Blanchard discuss the problems that could occur if you don't take control of your financial future. 

What can we learn from Nick Saban's retirement? Kevin Blanchard discusses how you can find out when it's the right time to retire. He also talks about the real Wolf of Wall Street saying it's impossible to predict the market and when is it the right time to bring your kids into a meeting with your financial advisor. 

What is defense in retirement and how do you make it a part of your financial plan? David Meche and Kevin Blanchard discuss how to implement defense into your portfolio and why is this important to a retirement plan. They also talk about why you should ask for help from a financial advisor.  

Why have annuities become more popular in retirement plans? Kevin Blanchard of Meche and Associates discusses how annuities have changed over the years and how they can be used as a tool in your portfolio. He also talks about creating financial confidence and long-term healthcare. 

Should politics play a role in your retirement? David Meche and Kevin Blanchard discuss the reaction of the market in an election year and how to separate your political beliefs from your wallet. They also talk about lowering your RMD's in retirement and the secrets to living a long life. 

Have you started creating financial habits for the future? Do you know which ones are better and which are worse for a retirement plan? David Meche and Kevin Blanchard discuss some of the pitfalls they have seen in plans. They also talk about having more options to invest in than stocks and bonds. 

How much money should you put into an annuity in retirement? David Meche and Kevin Blanchard discuss how annuities have changed over time and the role they can play in a retirement portfolio. They also talk about strategies for withdrawing money from you retirement accounts. 

Are you committing one of the most common blunders made in a retirement plan? How would you even know? David Meche and Kevin Blanchard breakdown some the issues they see the most often in clients portfolios. They also discuss the future rate hikes by the Fed and who is the best person to ask for financial advice. 

How will future taxes affect your retirement? David Meche and Kevin Blanchard discuss how big of a priority taxes are when you're in or planning your retirement. They also talk about what you should do with a 401(K) from a previous employer and a celebrity who built an empire around being on vacation. 

Can you afford to retire in today's market? David Meche and Kevin Blanchard discuss one of the biggest questions they hear from people they meet; can I retire? They also talk about the best way to diversify your portfolio in the current market and will social security benefits see a reduction next year? 

Are you making one of the biggest mistakes with your 401(K)? David Meche and Kevin Blanchard breakdown the problems they most commonly see in clients portfolios and find out if you can pass the balance test. 

What is the best age to claim social security? David Meche and Kevin Blanchard discuss the best ways to optimize your social security in retirement. They also discuss why so many Americans are retiring early and why you should consider an annuity. 

How much money do you need to enjoy retirement? David Meche and Kevin Blanchard breakdown the best way to start creating a plan now to enjoy retirement. They also discuss the income replacement formula and the most common traps people fall into when getting ready to stop working. 

How much longer will social security last? David Meche and Kevin Blanchard discuss the future of the government program and what changes are in the future. They also talk about people maxing out their 401(k). Is it a good thing or not? 

When can you afford to retire? David Meche and Kevin Blanchard discuss the first steps you should take to set yourself up for a successful retirement. They also discuss changes made by the Secure Act 2.0 and how they can affect your financial future.