Category Archives: Investing

93. Investing with Non-Retirement Funds: What to Watch Out For With Tyler Lively



Non-retirement investments are “non-qualified,” meaning that you’re investing with after-tax dollars and are not subject to any special tax treatment.

In this episode, The Retirement Solution’s Tyler Lively navigates the path of investing with non-retirement funds. All this while highlighting the role of retirement, taxes, ETFs, and mutual funds within the investment arena. 

Tyler discusses:

  • From life insurance to college planning: Why follow the general investment hierarchy to invest non-retirement fund money
  • Benefits of utilizing after-tax money for investment purposes 
  • The role of capital gains tax when it comes to after-tax assets – and a breakdown of capital gain rates in 2021
  • The idea of “capital loss bank” to offset capital gains
  • Utilizing mutual funds in after-tax investments
  • The importance of saving during retirement 
  • And more!

Resources:

Connect with Tyler Lively:

Connect with The Retirement Solution:

About Tyler Lively:

Tyler is motivated by the ability to work closely with clients to help them achieve their financial dreams and goals. Tyler is an integral member of The Retirement Solution Investment Committee and has earned a Chartered Retirement Planning Counselor designation through the College of Financial Planning, as well as the prestigious Certified Financial Planner® designation from the board-registered CFP® educational program. 

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Episode 92 -The Financial Aspect of Bereavement with Cindy Mueller



While bereavement means losing something significantly meaningful, like a job or connections pre-retirement, bereavement also means losing and facing the passing of a loved one.

In this episode, The Retirement Solution’s Cindy Mueller breaks down everything you need to know about the financial component of bereavement. All this to help you understand how financial planning (and professionals) can help you reduce and mitigate the stress following the passing of a spouse or family member.

Cindy discusses:

  • How financial advisors can help you address bereavement
  • Using The Retirement Solution’s checklist as a guide: First action items individuals have to take care of after losing a loved one
  • Leave IRA’s, Roth IRA’s, and 401k plans alone: Things widows and widower should avoid doing after losing their spouse 
  • Financial planning considerations to help people reduce the stress after the passing of their spouse 
  • Stories and experiences of widowed individuals 
  • And more

Resources:

Connect with Cindy Mueller:

Connect with The Retirement Solution:

About Cindy Mueller:

Cindy joined The Retirement Solution in 2008 with a commitment to delivering sound principles of financial management. She offers clients professional counsel in personal finance, investment advisory services, estate planning, and retirement planning.

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Episode 91 – Father’s Day Special: Retiring as a Father and Grandfather with Matt Perrone



What does fatherhood mean to you?

How do you envision your retirement years as a father, grandad, or father figure?

In this Father’s Day special, The Retirement Solution’s Matt Perrone explains financial and life coaching considerations you must know as you address and approach retirement as a parent, grandparent, or father figure to someone.

Matt discusses:

  • Matt’s memories with his dad, and who are father-like figures to him
  • Ways retirees can spend more time with their grandchildren 
  • Common father-figure type roles people take on before or after retirement 
  • Advice for people at or near retirement who want to make a difference in their family’s or other people’s lives  
  • And more

Resources:

Connect With Matt Perrone:

Connect with The Retirement Solution:

About Matt Perrone:

Matt Perrone focuses on one goal in his work — to give clients a sense of confidence by managing their life savings with the utmost care and integrity. For as long as he can remember, he has been passionate about helping others make wise financial choices. To this day, he finds his work both fun and meaningful.

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Episode 90 – Exploring The Path of Charitable RMDs & Gifting – With Shane Perry



In simple words, a charitable Required Minimum Distribution is still an RMD but the only difference is that you are also directing it to a charity.

In this episode, The Retirement Solution’s associate planner, Shane Perry sheds some light on all things charitable RMDs and gifting to help you understand its different financial components before you pass it down to your heirs and beneficiaries. 

You will learn:

  • Who can opt for an RMD and what are the new age-related updates? 
  • Rules for those considering a Qualified Charitable Distribution (QCD)
  • How to redirect an RMD to a Donor Advised Fund
  • Tax considerations around gifting and reasons why people should gift assets while alive 
  • How are families using and approaching conversations around charitable RMDs and gifting? 
  • And more!

Listen today and discover everything you need to know about charitable RMDs and gifting!

Resources:  The Retirement Solution: 888-500-5830 | Shane Perry  

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Episode 89 – Remember to Retire in Retirement – With Tom Black



A fulfilling retirement requires two things: A financial strategy you are comfortable with and a bucket list of things you can do.

Would you agree?

Today, The Retirement Solution’s president and lead financial planner, Tom Black, discusses everything you need to know about retirement and its components surrounding finances, emotions, and productivity. All this so that you can prepare ahead, fulfill your wishes, and most importantly, retire in retirement.

In this episode, you will learn:

  • The importance of building freedom in retirement to do things you want to do 
  • Why switching from saving to spending is a struggle for retirees – and how to overcome it 
  • How an income plan can ease the process of transitioning to retirement 
  • After their last paycheck: How long does the vacation-like feeling last for retirees? 
  • From traveling, volunteering, and creating new habits: Things you can do to achieve a happy, productive, and long retirement 
  • And more!

While a to-do list can be handy, tune in today and find out why retirement is all about doing the things that bring meaning to YOUR life! 

Resources: The Retirement Solution: 888-500-5830 | Tom Black 

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Episode 88 – Navigating the Path of Estate Planning Documentation – With Shane Perry



Estate planning is not only for the wealthy. Instead, it’s for anyone who wants their assets and finances to be taken care of (according to their wishes) when they pass away. 

One way to do this is through estate planning documents, and that’s exactly what Shane Perry discusses in this episode of Your Retirement Solution. Shane not only introduces the different records you may need but also sheds some light on techniques you can incorporate within your planning to easily pass assets to your beneficiaries.

In this episode, you will learn:

  • The breakdown of wills, beneficiary designations, and health care power of attorney’s as crucial estate planning documents 
  • The importance of drafting documents according to your state laws and following a consistent beneficiary format 
  • Everything you need to know about wills going into probate 
  • What are letters of intent and what is their purpose within estate planning 
  • How guardianship designations can guarantee care for children in the absence of their parents
  • And more!

Listen today, and find out how these records can help your estate planning flow as seamlessly as possible!

Resources: The Retirement Solution: 888-500-5830 |  YouTube  | Shane Perry


Episode 87 – Health, Wellness, and Fitness in Retirement – With Cindy Mueller



How do you envision your overall health and wellness in retirement?

Well, believe it or not, there are six related components you MUST be aware of.

In this episode of Your Retirement Solution, Cindy Mueller explains why physical (and intellectual), mental, emotional, social, environmental, and spiritual health are so important when thinking, envisioning, and planning for your retirement years. 

In this episode, you will learn:

  • From walking groups and dance clubs, to even puzzles and Sudoku: Why is physical and intellectual health so important in retirement?
  • How retirees can tackle mental health 
  • Things you can do to keep your emotional health on track 
  • How the pandemic has impacted retirees and their social health
  • How environmental components such as smog affect your health in retirement 
  • The truth about spiritual health in a pandemic and retirement scenario 
  • And more!

Tune in today and discover what our clients at The Retirement Solution are doing to achieve a fit and healthy retirement! 

Resources: The Retirement Solution  I (425) 558-3700 I Cindy Mueller 


Episode 86 –Risky Investments Versus Having a Plan – With Mike Whitmore



Did you know that the COVID-19 pandemic has played a huge role in the risky investment arena?

In this episode of Your Retirement Solution, Mike Whitmore discusses must-know considerations surrounding risky investments. All this while referring to the importance of building a risk-proof financial plan.

In this episode, you will learn:

  • Anything that loses value: What are risky investments 
  • Cryptocurrencies, and Mike’s own personal experience: What are some of the risky investments he has seen in his career 
  • From stimulus checks to stocks: What are some of the trends in risk markets  
  • The role of The Retirement Solution when it comes to having a plan – and how does it differ from having different investment portfolios 
  • Why is it important to build a plan and what are some of the time and cost considerations 
  • And more!

Listen in and find out everything you need to know about risky investments – and when they are appropriate for portfolios! 

Resources: The Retirement Solution  I (425) 558-3700 I Mike Whitmore 


Episode 85 – Tax Bracketology – With Matt Perrone



Believe it or not, March Madness and taxes are related – and it’s because in both you fill brackets, which leads to Matt Perrone defining this as “bracketology.”

In this episode of Your Retirement Solution, Matt explains everything you need to know about setting up the correct tax bracket for retirement. All this while highlighting what to be aware of when it comes to Roth conversions and RMD’s. 

In this episode, you will learn:

  • How to control taxes in retirement 
  • What’s a Roth conversion and how does it impact retirement-related taxes
  • The truth about potentially converting everything into a Roth 
  • Reasons why Matt believes taxes are “on sale” – and what happens if rates go up or down in the future 
  • What’s a Required Minimum Distribution (RMD) and how are they impacted by taxes and Roth conversions 
  • 70 and above: Age considerations when doing Roth conversions 
  • And more!

Adult children to older parents, family members, and everyone in between should tune in and find out how a correct tax strategy can benefit YOU in retirement! 

Resources: The Retirement Solution  I (425) 558-3700 I Matt Perrone

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Episode 83 – New Law Changes – With Tom Black



We know that with every new administration, there are many changes that come into effect, and changes in law and taxes are great examples. 

In this episode, The Retirement Solution’s Tom Black discusses different law and tax changes expected to come into effect in 2021. This discussion is not to cause panic, but to promote thought-provoking thinking and learning since they will differ from the current ones. 

In this episode, you will learn: 

  • How new 2021 tax laws can potentially change the way you transfer wealth and plan for retirement 
  • What a “Step-Up In Basis” is, its role within real-estate, and why is it considered to be a “double-edged sword” 
  • How Required Minimum Distributions (RMD) are expected to change in 2021 
  • What the charitable deduction scenario is looking like in 2021 
  • The benefits of a charitable Required Minimum Distribution 

Listen today and learn potential timeframes as to when and how these tax and other laws are expected to change! 

Resources: The Retirement Solution I (888) 500-5830 I Tom Black 

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