Category Archives: Retire

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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Episode 82 – Tax Return Optimization Strategies – Shane Perry



It’s no secret that we all want to save on taxes. Never to evade them, but to have confidence that we never pay more than we legally owe.

Would you agree? 

In this episode, The Retirement Solution’s Shane Perry not only reviews his career journey at the firm, but also explains different optimization strategies that are all about helping you save some cash when it comes to taxes.

In this episode, you will learn:

  • What the US tax brackets are and how they work 
  • The difference between tax deductions, tax credits, deductions, and itemizing 
  • Tips on mortgage interest to energy tax credits: popular deductions and credits
  • Strategies on Roth’s to 529 plans: How the team at The Retirement Solution can help you build and develop tax planning strategies.
  • What a Family Limited Liability Company (LLC) is and how it works 
  • And more!

Listen today and discover how these tax-related techniques can help you optimize, save, and prepare for retirement! 

Resources:The Retirement Solution I (888) 500-5830 I Shane Perry

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Episode 81 – A Comprehensive Look at Our Planning Process – With Mike Whitmore



When you near retirement, you need to look at things differently. It’s like having a different strategy in the second half of a football game!

Today, Mike Whitmore explains how our planners at The Retirement Solution help folks create just the right plan for their unique retirement vision. Mike dives deep into our comprehensive planning process and discusses the various steps involved.

In this episode, you will learn:

  • How we customize your income plan through our holistic planning process to effectively address all of your fears and concerns
  • The five major pillars covered during our planning process
  • Ways in which our process differs from that of a regular broker or an insurance representative
  • What defines an ideal client for us to work with
  • And more!

Tune in now to fully understand the planning process at TRS, and how it can help you achieve your goals and sustained retirement success! 

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

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Episode 80 – Learning Lessons from 2020: Implementing Financial Changes in 2021 with Cindy Mueller



It’s no secret that 2020 was a year full of lessons, especially from a health and financial security point of view.

In this episode of Your Retirement Solution Podcast, CFP® and Tax Advisor, Cindy Mueller, explains how reflecting upon 2020 can help people prepare for 2021, while discussing the importance of saving for emergency and increasing retirement funds.

In this episode, you will learn the importance of:

  • 401Ks and Roth IRA’s: The importance of contributing
  • Saving young: Why you should avoid living paycheck to paycheck 
  • Fear and greed as they relate to the stock market
  • Cindy’s insight on the 2021 tax environment 
  • And more!

Tune in to discover the value of saving and ALWAYS having a systematic plan in place!

Resources:  The Retirement Solution I Cindy Mueller

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Episode 79 –A Look Back at 2020 and Financial Projections for 2021. Are you prepared?



With a fresh, new year just around the corner, what’s your 2021 financial planning picture looking like?

In this episode of Your Retirement Solution Podcast, Jim Black not only reviews how 2020 impacted the stock and financial markets, but he also discusses important financial components you must consider as we roll into the new year. 

In this episode, you will learn:

  • Jim’s take on how The Retirement Solution has helped clients navigate through the COVID-19 pandemic 
  • Ways the market impacted small and large businesses in 2020, and what the stock market projections are for 2021 
  • The role of the market when it comes to the 2020 elections and Jim’s insight on doing things differently during or after election years
  • Company announcements for 2021
  • And more!

While 2020 was full of ups and downs, tune in today to discover how creating a financial plan can help you prepare for whatever 2021 has in store for us.

Resources: The Retirement Solution  

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Episode 78 – Beware of Variable Annuities – With Mike Whitmore



Believe it or not, annuities have been around since Roman times.

Back then, and depending on how many battles individuals survived, they would qualify for pensions or annuities from the Roman government. 

In this episode of Your Retirement Solution Podcast, Mike Whitmore explains how variable annuities can be problematic, while also discussing ways to use them as a vehicle to invest in the market through insurance companies.

In this episode, you will learn:

  • Layers and layers of fees: The reason why you could lose money with variable annuities 
  • The role of commissions when it comes to selling variable annuities 
  • Fee comparison between regular and variable annuities 
  • What insurance companies offer clients who have variable annuities 
  • And more!

Tune in and discover why fiduciaries are your best bet when seeking help to understand the ins and outs of variable annuities!

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

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Episode 77 – What Are You Grateful For?



While money is important, remember, money isn’t everything.

Join this episode of Your Retirement Solution Podcast as Jim Black discusses the benefits of being grateful, and how he weaves this quality into the planning process when working with his clients.

In this episode, you will learn:

  • Jim’s take on how practicing gratitude can change your attitude 
  • Find the positive in every situation: How Jim establishes financial and non-financial conversations with clients during tough times 
  • The firm’s holistic planning approach that focuses on health, family, legacy, and anything that fulfills clients and their hopes and dreams 
  • And more!

Tune in and find out how gratitude can help you thrive in your personal and financial life! 

Resources: The Retirement Solution I Jim Black 

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