Category Archives: Investing

107. Top 3 Decisions To Make Now Regarding Retirement With Shane Perry



If you are nearing retirement you can start to get anxious about whether or not you can maintain your current lifestyle. 

But don’t worry, there is a solution!

In this episode, Shane Perry explains the top 3 decisions to make now regarding your retirement. He explores why resetting your clock is one of the best ways to move into retirement.

Shane discusses:

  • Why you should start your financial planning with the end in mind
  • Understand how much money it takes on a monthly or yearly basis to maintain your current lifestyle
  • What you want to do with your time in retirement
  • And more

Connect With Shane Perry:

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About Shane Perry:

At the beginning of 2014, Shane joined The Retirement Solution as a Client Manager with the motivation and commitment to represent a client’s needs above all else. In 2019, Shane changed his title to Associate Planner. Seeking to build on his passion to further help people transition smoothly into retirement with the knowledge and confidence of a solid income plan, Shane was promoted to Financial Planner status in June 2020. Building strong relationships and watching his clients achieve and sustain their retirement hopes and dreams is what inspires Shane’s work to thrive every day.




106. Understanding How to File for Social Security With Tyler Lively



Social Security is a huge decision we make in retirement that requires you to know when to do it, how to do it, and understanding these things can relieve stress and anxiety.

In this episode, Tyler Lively walks you through understanding how to file for Social Security, and how to best approach it. Tyler shares the four retirement benefits, how people qualify, along with tips and tricks for filing for Social Security. 

Tyler discusses:

  • Understanding the four Social Security retirement benefits
  • Tips and tricks for filing for Social Security
  • If Social Security is taxable 
  • Why you should have a guide to help you with Social Security
  • And more

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About Tyler Lively: 

Tyler is a native of Washington state, having grown up in Redmond. He has always had a passion for learning and finding the optimal solution to any goal. This drive pushed him to graduate from the prestigious Marriott School of Business (rated one of the top 10 entrepreneurship programs in the U.S.¹).




105. The Top 5 Suggestions for Preparing Your Finances for the New Year



How are you preparing your finances in 2022?

In this episode, Cindy Mueller discusses the top 5 suggestions for preparing your finances in 2022. Cindy covers budgeting, estate planning, and how inflation affects your finances. Plus, Cindy talks about the proposed tax law changes from Congress.

Cindy discusses:

  • Why budgeting can be important to a retiree
  • What can happen if you don’t have a will
  • How inflation can affect your finances
  • The tax law changes Congress is proposing for 2022
  • What you can expect in a life-changing event in 2022 like planning to retire
  • And more

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About Cindy Mueller:

Cindy Mueller 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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104. Getting Ready For Q1 of 2022 With Mike Whitmore



There is plenty of financial and retirement planning that needs to be done before the end of the year, and in the new year.

In this episode, Mike Whitemore provides us with an overview of what The Retirement Solution helps clients with at the end of the year, and in Q1 of the new year. Mike explains the penalty given if you do not take your required minimum distribution, and why right from the beginning of the year it’s good to start having your RMD in place.

Mike discusses:

  • What The Retirement Solution does for clients at the end of the year
  • Why making sure clients have taken their required minimum distributions before December 31st is so important
  • Taking steps to ensure you have required minimum distributions in place in January
  • How you can look to improve your credit score
  • And more

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About Our Guest:

Mike Whitmore graduated from Brigham Young University with a BS in Business Management and Marketing and a minor in Dutch Literature. He is a Financial Planner with The Retirement Solution, serves as the President of the Advisory Board for Velvet Media, and is a former co-founder of Fresh Consulting. Prior to becoming a financial planner, Mike worked with Apptio, one of Seattle’s fastest growing SaaS enterprise software firms*, managing the client relationship with Apptio’s top clients for building their practice of Technology Business Management. 

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103. Why You Should Be Talking About Death and Taxes With Travis Johnson



It’s a difficult situation for anyone when your spouse passes away, and you’re suddenly on a deadline with the IRS to make plenty of financial decisions right away.

In this episode, Travis Johnson is here to speak about why it’s important to talk about death and taxes. Travis explains the tax deadline an individual is subjected to when their partner passes away, and how to deal with the deadline. Plus, key ways The Retirement Solution helps clients deal with organizing their particular situation.

Travis discusses:

  • What you need to know about death and taxes
  • How The Retirement Solution helps clients in particular situations
  • Why you should have passwords to important accounts documented
  • How to deal with suddenly needing to pay taxes to the IRS
  • And more

Connect With Travis Johnson

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About Our Guest:

Travis Johnson was raised in Redmond, Washington where he continues to reside. Subsequent to high school, he earned a degree in Business Administration at the University of Washington, graduating with a minor in Policy Studies and prestigious Cum Laude honors.

In 2015, he began his financial career at Bank of America, first as a Relationship Manager in Sammamish before his promotion to Financial Advisor at Merrill Lynch in Bellevue. In both roles, Travis enjoyed assisting clients in their pursuit of their goals, while educating them on options and strategic financial solutions that would enhance their ability to achieve their dreams. His passion to work with clients in the realization of their retirement dreams, both holistically and dynamically, is what ultimately spurred the transition to TRS in November of 2019.

Outside of the office, Travis can be found volunteering with his local Kiwanis group, reading novels, enjoying his two energetic dogs, and either discovering the newest restaurant trend or creating a memorable new recipe with his family.

 


102. End of The Year Tax Planning With Shane Perry



According to the IRS, about 75% of taxpayers take the standard deduction, but could be missing out on valuable tax deductions if they can itemize.

In this episode, Shane Perry is here to share with you all the key details about year-end tax planning. Shane shares basic things you can do to help yourself from a tax standpoint, how you can help offset your income at the end of the year and more.

Time Critical Items for End of Year Tax Planning:

  • December 31st Deadline Items
  • Act Now to Save Taxes
  • How to save money by reducing your taxes
  • New Tax Law Legislation to Consider
  • Last Minute Tax Deductions
  • And more

Connect With Shane Perry:

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About Our Guest:

Shane Perry received his Bachelor of Science in Financial Planning and Advising from Purdue University. In addition, he studied Economics with emphasis on investment mathematics, accounting, estate planning, statistics, and tax law.

At the beginning of 2014, Shane joined The Retirement Solution as a Client Manager with the motivation and commitment to represent a client’s needs above all else. In 2019, Shane changed his title to Associate Planner. Seeking to build on his passion to further help people transition smoothly into retirement with the knowledge and confidence of a solid income plan, Shane was promoted to Financial Planner status in June 2020. Building strong relationships and watching his clients achieve and sustain their retirement hopes and dreams is what inspires Shane’s work to thrive every day.


101. Portfolio Review Analysis With Cindy Mueller



The end of the year means it’s time for clients’ portfolio reviews. That means it’s time to ensure that you’re still meeting your goals, and checking your risk tolerance.

In this episode, join Cindy Mueller as she explains her analysis of portfolio reviews. Cindy walks us through what a balanced portfolio is, the biggest red flags she spots in portfolios, and how taxes are affected in an investment portfolio.

Cindy discusses:

  • What a portfolio review means
  • What a balanced portfolio is
  • What some of the red flags are when looking at someone’s portfolio
  • How are taxes affected by an investment portfolio
  • And more

Connect With Cindy Mueller:

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About Cindy:

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.

Cindy grew up in Camas, Washington and holds a BA in Finance from Washington State University. Following graduation, Cindy was accepted into Washington Mutual’s two year management training program where she spent 12 years in various financial roles. In addition to raising her three bustling children, Cindy was active in the Bellevue School District for multiple years as PTSA President, Treasurer, and Auction Chair, earning Volunteer of the Year and the Golden Acorn Award, which is awarded for outstanding service to youth in the community. Additionally, Cindy was awarded the Interlake High School Booster Award.


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100. What Potential Changes to Medicare Mean For You



Potential Medicare changes may soon happen. It’s important to know what those changes will mean for you and your healthcare coverage.

In this episode, Tom Black considers some of the possible changes to Medicare that may happen in the future and what that would mean. Tom talks about how people who jumped into Medicare and have now gone back to the workforce and are receiving benefits can manage their situation.

Tom discusses:

  • The potential cost increase to Medicare
  • The penalty for not taking Medicare and what situation this applies to
  • What people who are receiving Medicare and benefits from their employer need to know
  • The most important part of Medicare’s open enrollment period
  • And more

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99. The Mindset of Boring Investing With Mike Whitmore



In the current economic situation, excitement can build with the thought of the availability of investing opportunities.  However, some opportunities could lead to great risk.  Talking about boring investing could really be a valuable conversation.

In this episode, Mike talks about the exciting part of boring investing. When it comes to cryptos and stocks, it can be exciting to invest in riskier stocks in hopes to get rich quick but it is never that simple. Having individual stocks could be a great way to get rich, but it is a lousy way to stay rich.

Mike Whitmore discusses:

  • Why diversification is so important
  • What he thinks about cryptos
  • Why you should stop gambling with your future
  • The benefits of having a retirement plan
  • And more

Connect With Mike Whitmore

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About Mike Whitmore

Mike is an experienced Financial Planner with a demonstrated history of working in the financial services industry. Skilled in Search Engine Optimization (SEO), Sales, Conference Speaking, IT Strategy, and Management, Mike has a strong finance professional with a BS focused in Marketing from Brigham Young University.

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98. What is Social Security? With Cindy Mueller



When should you start your social security benefit?

In this episode, Cindy Mueller is here to break down all things social security. From the basics of how you become eligible for social security, to the more complex dynamics of taxes, this episode will answer the questions you have about social security.

Cindy discusses:

  • What is social security, when can you start it, and how you can become eligible
  • How much you receive in monthly benefits 
  • How spousal benefits work
  • Taxes related to social security
  • And more

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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