https://www.spreaker.com/podcast/the-best-of-refining-retirement--6452817enBusinessCopyright Chaesare Grayhttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/c646e54dfe99fb62b3a52a1c2d594d71.jpghttps://www.spreaker.com/podcast/the-best-of-refining-retirement--6452817Wed, 17 Dec 2025 22:15:33 +0000Brad FordBrad Fordbrad.ford@vineyardfinancial.comBrad has a long history of helping clients in or nearing retirement create plans designed to accumulate, protect and preserve their wealth. As the leader of his firm, Brad leverages his knowledge and experience to create personalized financial...cleanepisodichttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-tax-changes--69103032
Takeaways:

• Depending on where you live in the U.S. life expectancy can vary up to 8 years.
• 100 minus your age is a good rule of thumb for how much you should have at risk In the market. 

Download our FREE helpful resource, “The Value of an Objective Opinion”
]]>https://api.spreaker.com/episode/69103032Wed, 17 Dec 2025 19:35:41 +0000Brad FordDana and Brad discuss recent tax code changes as well as designing your fiscal house. Takeaways: - Depending on where you live in the U.S. life expectancy can vary up to 8 years. - 100 minus your age is a good rule of thumb for how much you should...
Takeaways:

• Depending on where you live in the U.S. life expectancy can vary up to 8 years.
• 100 minus your age is a good rule of thumb for how much you should have at risk In the market. 

Download our FREE helpful resource, “The Value of an Objective Opinion”
]]>1575cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-being-diligent-and-disciplined--69103019
Takeaways:

• Between 70-80% of people squander away their inheritance within the first 6 months.
• When politics get volatile, markets tend to follow suit. The market tends to react poorly to political uncertainty.

Download our FREE helpful resource, “Are You Paying Too Much in Taxes in Retirement?”
]]>https://api.spreaker.com/episode/69103019Wed, 17 Dec 2025 19:34:01 +0000Brad FordDana and Brad discuss being in the position of gaining a large sum of money. Takeaways: - Between 70-80% of people squander away their inheritance within the first 6 months. - When politics get volatile, markets tend to follow suit. The market...
Takeaways:

• Between 70-80% of people squander away their inheritance within the first 6 months.
• When politics get volatile, markets tend to follow suit. The market tends to react poorly to political uncertainty.

Download our FREE helpful resource, “Are You Paying Too Much in Taxes in Retirement?”
]]>1563cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-addressing-funeral-concerns--69103008
Takeaways:

• Pre-planning helps take some of the emotion out of funeral planning, helping save money and take the burden off your loved ones.
• There are 125 different items that need to be addressed within the 48-72 hours around a funeral. 

Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes with an Estate Plan”
]]>https://api.spreaker.com/episode/69103008Wed, 17 Dec 2025 19:32:28 +0000Brad FordDana and Brad are joined by Jordan Duncan and Rachel Smith of Boone Funeral Home to discuss end-of-life planning. Takeaways: - Pre-planning helps take some of the emotion out of funeral planning, helping save money and take the burden off your...
Takeaways:

• Pre-planning helps take some of the emotion out of funeral planning, helping save money and take the burden off your loved ones.
• There are 125 different items that need to be addressed within the 48-72 hours around a funeral. 

Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes with an Estate Plan”
]]>1590cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-medicare-confusion--69102996
Takeaways:

• A common misconception is that you have to sign up for Medicare when you turn 65. If you are still working, it’s not required.
• If you have questions about Medicare, give us a call and we can connect you with Christie to help address your needs.

Download our FREE helpful resource, “The Value of an Objective Opinion”
]]>https://api.spreaker.com/episode/69102996Wed, 17 Dec 2025 19:30:35 +0000Brad FordDana and Brad discuss Medicare with Healthcare agent, Christie Adcock, of Senior Connection. Takeaways: - A common misconception is that you have to sign up for Medicare when you turn 65. If you are still working, it’s not required. - If you have...
Takeaways:

• A common misconception is that you have to sign up for Medicare when you turn 65. If you are still working, it’s not required.
• If you have questions about Medicare, give us a call and we can connect you with Christie to help address your needs.

Download our FREE helpful resource, “The Value of an Objective Opinion”
]]>1613cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-taking-control--69102811
Takeaways:

• It’s a difficult discussion, but having your will updated ensures your assets are distributed according to your exact wishes.
• Inflation is a silent “stealth tax.” You won’t always see it, but your wallet will feel it. 

Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes with an Estate Plan”]]>https://api.spreaker.com/episode/69102811Wed, 17 Dec 2025 19:28:57 +0000Brad FordDana and Brad discuss the things that you can control during a volatile market and how to protect yourself against the things that you can’t. Takeaways: - It’s a difficult discussion, but having your will updated ensures your assets are distributed...
Takeaways:

• It’s a difficult discussion, but having your will updated ensures your assets are distributed according to your exact wishes.
• Inflation is a silent “stealth tax.” You won’t always see it, but your wallet will feel it. 

Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes with an Estate Plan”]]>1541cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-a-mentally-healthy-retirement--69102755
Takeaways:

• Retirement is a big change psychologically, do you have someone in place to help you from slipping into a funk and becoming listless or depressed. Finding new ways to stay busy is paramount to a healthy retirement.
• The highest group of divorces at the moment is the 50+ range. 

Download our FREE helpful resource, “Designing Your Fiscal House to Weather the Elements”
]]>https://api.spreaker.com/episode/69102755Wed, 17 Dec 2025 19:27:23 +0000Brad FordDana and Brad are joined by Brad’s retirement coaches, Christina Gilbert and Matt Purvis, to discuss the transition from working to retirement. Takeaways: - Retirement is a big change psychologically, do you have someone in place to help you from...
Takeaways:

• Retirement is a big change psychologically, do you have someone in place to help you from slipping into a funk and becoming listless or depressed. Finding new ways to stay busy is paramount to a healthy retirement.
• The highest group of divorces at the moment is the 50+ range. 

Download our FREE helpful resource, “Designing Your Fiscal House to Weather the Elements”
]]>819cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-tax-problems-with-long-term-care--69102712
Takeaways:

• There are a multitude of accounts with different tax liabilities. Without the proper knowledge before moving money there could be irreparable tax penalties.
• - 70% of adults aged 65 and older will need some form of long-term care.

Download our FREE helpful resource, “Are You Paying too Much in Taxes in Retirement?”
]]>https://api.spreaker.com/episode/69102712Wed, 17 Dec 2025 19:25:18 +0000Brad FordDana and Brad discuss tax implications of moving money from different accounts and how to be prepared to pay for Long-Term Care. Takeaways: - There are a multitude of accounts with different tax liabilities. Without the proper knowledge before...
Takeaways:

• There are a multitude of accounts with different tax liabilities. Without the proper knowledge before moving money there could be irreparable tax penalties.
• - 70% of adults aged 65 and older will need some form of long-term care.

Download our FREE helpful resource, “Are You Paying too Much in Taxes in Retirement?”
]]>814cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-staying-active-in-retirement--69102680
Takeaways:

• Motivation comes and goes, block off time to work out and treat that time as an important meeting that you can’t miss. Having a trainer or accountability partner is also incredibly beneficial for those days you don’t want to go.
• If you aren’t sure where to begin, hiring a trainer can help you build a regimen to keep you from injuring yourself.

Download our FREE helpful resource, “The Value of an Objective Opinion”
]]>https://api.spreaker.com/episode/69102680Wed, 17 Dec 2025 19:22:57 +0000Brad FordDana and Brad are joined by Melanie Stewart of 517 Fitness Gym to discuss staying healthy in retirement. Takeaways: - Motivation comes and goes, block off time to work out and treat that time as an important meeting that you can’t miss. Having a...
Takeaways:

• Motivation comes and goes, block off time to work out and treat that time as an important meeting that you can’t miss. Having a trainer or accountability partner is also incredibly beneficial for those days you don’t want to go.
• If you aren’t sure where to begin, hiring a trainer can help you build a regimen to keep you from injuring yourself.

Download our FREE helpful resource, “The Value of an Objective Opinion”
]]>1602cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-before-it-s-too-late--69102642
Takeaways:

• Build a bucket list in retirement. You don’t want to wait too long to do the things you’ve always dreamed of.
• Healthcare costs are on the rise, especially with inflation that we’ve seen in the last few years. 

Download our FREE helpful resource, “Will Your Money Last as Long as You Do?”]]>https://api.spreaker.com/episode/69102642Wed, 17 Dec 2025 19:20:27 +0000Brad FordDana and Brad discuss inflation and reaching towards your dreams in retirement. Takeaways: - Build a bucket list in retirement. You don’t want to wait too long to do the things you’ve always dreamed of. - Healthcare costs are on the rise,...
Takeaways:

• Build a bucket list in retirement. You don’t want to wait too long to do the things you’ve always dreamed of.
• Healthcare costs are on the rise, especially with inflation that we’ve seen in the last few years. 

Download our FREE helpful resource, “Will Your Money Last as Long as You Do?”]]>1582cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-retired-what-now--69102622
Takeaways:

• If you have very many valuables, write out what you would like to happen to them in the event you pass away.
• Wealth is not his that has it, but his that enjoys it. You can’t take your money with you. 

Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes with an Estate Plan”]]>https://api.spreaker.com/episode/69102622Wed, 17 Dec 2025 19:18:04 +0000Brad FordDana and Brad discuss getting your affairs in order. Takeaways: - If you have very many valuables, write out what you would like to happen to them in the event you pass away. - Wealth is not his that has it, but his that enjoys it. You can’t take...
Takeaways:

• If you have very many valuables, write out what you would like to happen to them in the event you pass away.
• Wealth is not his that has it, but his that enjoys it. You can’t take your money with you. 

Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes with an Estate Plan”]]>1575cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-women-in-retirement--69102604
Takeaways:

• According to Alliance Life, most Americans are more scared of going broke in retirement than they are of death.
• The overall poverty rate for women slightly exceeds the rate for men. 

Download our FREE helpful resource, “Will Your Money Last as Long as You Do?”]]>https://api.spreaker.com/episode/69102604Wed, 17 Dec 2025 19:15:37 +0000Brad FordDana and Brad discuss retirement fears as well as retirement help for women. Takeaways: - According to Alliance Life, most Americans are more scared of going broke in retirement than they are of death. - The overall poverty rate for women slightly...
Takeaways:

• According to Alliance Life, most Americans are more scared of going broke in retirement than they are of death.
• The overall poverty rate for women slightly exceeds the rate for men. 

Download our FREE helpful resource, “Will Your Money Last as Long as You Do?”]]>1538cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-market-ups-downs--69102585
Takeaways:

• Missing out on the best performing days can significantly cut into your returns. Time in the market beats timing the market.
• The dollar value recently hit the lowest it has been in three years. 

Download our FREE helpful resource, “What to Do in a Down Market”
]]>https://api.spreaker.com/episode/69102585Wed, 17 Dec 2025 19:13:22 +0000Brad FordDana and Brad discuss current market volatility and past performance in historically volatile markets. Takeaways: - Missing out on the best performing days can significantly cut into your returns. Time in the market beats timing the market. - The...
Takeaways:

• Missing out on the best performing days can significantly cut into your returns. Time in the market beats timing the market.
• The dollar value recently hit the lowest it has been in three years. 

Download our FREE helpful resource, “What to Do in a Down Market”
]]>1581cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-the-3-inch-putt--69102562
Takeaways:

• Taking Social Security at the wrong time could cost you thousands of dollars in the long run.
• If you haven’t tested your retirement plan with customized software, it’s difficult to know if you are making the correct decisions.

Download our FREE helpful resource, “The Social Security Decisions”
]]>https://api.spreaker.com/episode/69102562Wed, 17 Dec 2025 19:08:45 +0000Brad FordDana and Brad discuss maximizing your Social Security within your retirement plan. Takeaways: - Taking Social Security at the wrong time could cost you thousands of dollars in the long run. - If you haven’t tested your retirement plan with...
Takeaways:

• Taking Social Security at the wrong time could cost you thousands of dollars in the long run.
• If you haven’t tested your retirement plan with customized software, it’s difficult to know if you are making the correct decisions.

Download our FREE helpful resource, “The Social Security Decisions”
]]>1579cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-garden-safety-tips--69102548
Takeaways:

• You should always have your cell phone with you while gardening in case anything goes wrong. It is even more beneficial to have someone with you if possible. It’s easy to twist an ankle in the uneven dirt.
• 230,000 people go to the emergency room every year due to injuries related to various lawn and garden tools.
•  You can learn more about SWIMGA by following this link: https://www.swimga.org/

Download our FREE helpful resource, “Your Retirement Income Planning Checklist”
]]>https://api.spreaker.com/episode/69102548Wed, 17 Dec 2025 19:07:11 +0000Brad FordDana and Brad discuss safety tips when gardening with Judy Halstead of the Southwestern Indiana Master Gardener Association (SWIMGA). Takeaways: - You should always have your cell phone with you while gardening in case anything goes wrong. It is...
Takeaways:

• You should always have your cell phone with you while gardening in case anything goes wrong. It is even more beneficial to have someone with you if possible. It’s easy to twist an ankle in the uneven dirt.
• 230,000 people go to the emergency room every year due to injuries related to various lawn and garden tools.
•  You can learn more about SWIMGA by following this link: https://www.swimga.org/

Download our FREE helpful resource, “Your Retirement Income Planning Checklist”
]]>852cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-building-your-retirement--69100690
Takeaways:

• The Affordable Care Act can help with subsidizing healthcare if you are thinking about retiring early.
• It’s never too early to start planning for retirement. Reach out for help if you have questions.

Download our FREE helpful resource, “Will Your Money Last as Long as You Do”]]>https://api.spreaker.com/episode/69100690Wed, 17 Dec 2025 17:40:08 +0000Brad FordDana and Brad discuss how you can build a plan to work towards a successful retirement. Takeaways: - The Affordable Care Act can help with subsidizing healthcare if you are thinking about retiring early. - It’s never too early to start planning...
Takeaways:

• The Affordable Care Act can help with subsidizing healthcare if you are thinking about retiring early.
• It’s never too early to start planning for retirement. Reach out for help if you have questions.

Download our FREE helpful resource, “Will Your Money Last as Long as You Do”]]>1513cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-leaving-a-legacy--67381921
Takeaways:

• It’s important to update your will and accounts often to make sure they still align with your wishes.

• If you and your spouse are not sure what you both want for retirement, it can be beneficial to speak with an advisor to help you come to an agreement.

Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes with an Estate Plan”

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.]]>https://api.spreaker.com/episode/67381921Fri, 15 Aug 2025 21:49:16 +0000Brad FordDana and Brad discuss legacy planning and different taxes that can impact your plan. Takeaways: - It’s important to update your will and accounts often to make sure they still align with your wishes. - If you and your spouse are not sure what...
Takeaways:

• It’s important to update your will and accounts often to make sure they still align with your wishes.

• If you and your spouse are not sure what you both want for retirement, it can be beneficial to speak with an advisor to help you come to an agreement.

Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes with an Estate Plan”

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.]]>1552cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-making-poor-decisions--67381907
Takeaways:

• A study found 2/5 people kept a financial secret from their significant other.

• Don’t try to do everything all at once by yourself. Retirement planning can be overwhelming and it can alleviate that pain to reach out to someone. 

Download our FREE helpful resource, “The Value of an Objective Opinion”
]]>https://api.spreaker.com/episode/67381907Fri, 15 Aug 2025 21:45:53 +0000Brad FordDana and Brad discuss financial secrets as well as poor financial habits you may have. Takeaways: - A study found 2/5 people kept a financial secret from their significant other. - Don’t try to do everything all at once by yourself. Retirement...
Takeaways:

• A study found 2/5 people kept a financial secret from their significant other.

• Don’t try to do everything all at once by yourself. Retirement planning can be overwhelming and it can alleviate that pain to reach out to someone. 

Download our FREE helpful resource, “The Value of an Objective Opinion”
]]>1613cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-the-retirement-process-from-a-client-s-perspective--67381894
Takeaways:

• Women tend to live longer than men, and the potential loss of a spouse needs to be calculated into your retirement plan.

• If you have questions about building a retirement plan you can reach us at 812-474-6200.

Download our FREE helpful resource, “The Retirement Income Checklist
]]>https://api.spreaker.com/episode/67381894Fri, 15 Aug 2025 21:43:04 +0000Brad FordDana and Brad are joined by one of Brad’s clients, Linda Sanders, to discuss the retirement planning process. Takeaways: - Women tend to live longer than men, and the potential loss of a spouse needs to be calculated into your retirement plan. -...
Takeaways:

• Women tend to live longer than men, and the potential loss of a spouse needs to be calculated into your retirement plan.

• If you have questions about building a retirement plan you can reach us at 812-474-6200.

Download our FREE helpful resource, “The Retirement Income Checklist
]]>1600cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-delaying-social-security--67381876
Takeaways:

• Social Security accounts for a third of the average household income for those that are retirement age and making a mistake could cost you thousands of dollars.

• Family medical history can be an overlooked part of building a retirement plan. Trends can help you make better decisions. 

Download our FREE helpful resource, “The Social Security Decisions”]]>https://api.spreaker.com/episode/67381876Fri, 15 Aug 2025 21:38:07 +0000Brad FordDana and Brad discuss the ins and outs of Social Security and the different ways you can withdrawal Takeaways: - Social Security accounts for a third of the average household income for those that are retirement age and making a mistake could cost...
Takeaways:

• Social Security accounts for a third of the average household income for those that are retirement age and making a mistake could cost you thousands of dollars.

• Family medical history can be an overlooked part of building a retirement plan. Trends can help you make better decisions. 

Download our FREE helpful resource, “The Social Security Decisions”]]>1575cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-master-gardening--67381869
Takeaways:

• Research shows that when you have access to “green spaces” can improve your mental health and alleviate pain.

• If you have any agricultural or gardening questions you can email Amanda at: bradshaa@purdue.edu,

Download our FREE helpful resource, “Designing Your Fiscal House to Weather the Elements”
]]>https://api.spreaker.com/episode/67381869Fri, 15 Aug 2025 21:35:21 +0000Brad FordDana and Brad are joined by the Purdue Extension’s Urban Agriculture Educator, Amanda Bradshaw Burks to discuss farming, gardening, and nature preservation. Takeaways: - Research shows that when you have access to “green spaces” can improve your...
Takeaways:

• Research shows that when you have access to “green spaces” can improve your mental health and alleviate pain.

• If you have any agricultural or gardening questions you can email Amanda at: bradshaa@purdue.edu,

Download our FREE helpful resource, “Designing Your Fiscal House to Weather the Elements”
]]>1607cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-take-that-trip--67381855
Takeaways:

• Text the word “book” to 812-473-7700 for a free copy of “Solving the Retirement Mystery.”

• You have go-go years, slow-go years, and no-go years. It’s important to know how much you can comfortably spend on everything you want to do before it is too late.

• With prices rising, the latest Social Security Cost of Living Adjustment is 2.5%. 

Download our FREE helpful resource, “The Social Security Decisions”
]]>https://api.spreaker.com/episode/67381855Fri, 15 Aug 2025 21:31:55 +0000Brad Ford Dana and Brad discuss retirement bucket lists, as well as inflation and the impact of rising costs. Takeaways: - Text the word “book” to 812-473-7700 for a free copy of “Solving the Retirement Mystery.” - You have go-go years, slow-go years, and...
Takeaways:

• Text the word “book” to 812-473-7700 for a free copy of “Solving the Retirement Mystery.”

• You have go-go years, slow-go years, and no-go years. It’s important to know how much you can comfortably spend on everything you want to do before it is too late.

• With prices rising, the latest Social Security Cost of Living Adjustment is 2.5%. 

Download our FREE helpful resource, “The Social Security Decisions”
]]>1516cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-rising-healthcare--67381745
Takeaways:

• The average nationwide cost for a room in a nursing home is almost $10,000/month. 

• Check all of your accounts when building an estate plan. Old accounts could have the wrong beneficiaries listed.

Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes with an Estate Plan”
]]>https://api.spreaker.com/episode/67381745Fri, 15 Aug 2025 21:27:05 +0000Brad FordDana and Brad discuss healthcare expenses in retirement as well as preparation for losing a spouse. Takeaways: - The average nationwide cost for a room in a nursing home is almost $10,000/month.  - Check all of your accounts when building an...
Takeaways:

• The average nationwide cost for a room in a nursing home is almost $10,000/month. 

• Check all of your accounts when building an estate plan. Old accounts could have the wrong beneficiaries listed.

Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes with an Estate Plan”
]]>1546cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-long-term-planning--64748631
Takeaways:

• Assisted living can be a major expense in retirement. You should plan for the worst, and hope for the best.

• It’s important to have a plan in place so you are better protected during times of hardship.

• Download our FREE helpful resource, “Will Your Money Last as Long as You Do?”

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.]]>https://api.spreaker.com/episode/64748631Fri, 07 Mar 2025 14:41:44 +0000Brad FordDana and Brad discuss long-term care planning and the importance of being ready before it’s too late. Takeaways: - Assisted living can be a major expense in retirement. You should plan for the worst, and hope for the best. - It’s important to...
Takeaways:

• Assisted living can be a major expense in retirement. You should plan for the worst, and hope for the best.

• It’s important to have a plan in place so you are better protected during times of hardship.

• Download our FREE helpful resource, “Will Your Money Last as Long as You Do?”

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.]]>1546cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-retiring-before-65--64569750
Takeaways:

• The median retirement age in the U.S. is 62 with sixty percent of people retiring before they had planned.

• - Postponing Social Security allows it to compound yearly resulting in a higher monthly benefit.

• - Download our FREE helpful resource, “Will Your Money Last as Long as You Do?”  

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
]]>https://api.spreaker.com/episode/64569750Tue, 25 Feb 2025 20:20:16 +0000Brad FordDana and Brad are joined by Vineyard Financial Vice President, Jakub Hall, to discuss the average retirement age and what can affect your plan. Takeaways: - The median retirement age in the U.S. is 62 with sixty percent of people retiring before...
Takeaways:

• The median retirement age in the U.S. is 62 with sixty percent of people retiring before they had planned.

• - Postponing Social Security allows it to compound yearly resulting in a higher monthly benefit.

• - Download our FREE helpful resource, “Will Your Money Last as Long as You Do?”  

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
]]>1550cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-the-ins-outs-of-insurance--64569402Paulson Insurance, to discuss different coverage types and how to stay protected.

Takeaways:

• Inflation has impacted many insurance companies. You should be checking your policies to make sure no changes have been made.

• Certain collectibles may not be covered by your insurance and may require a separate appraisal and additional coverage.

• Download our FREE helpful resource, “Inflation and Your Retirement”  

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
]]>https://api.spreaker.com/episode/64569402Tue, 25 Feb 2025 19:58:08 +0000Brad FordDana and Brad are joined by insurance professional, Josh Paulson of https://paulson-insurance.com/, to discuss different coverage types and how to stay protected. Takeaways: - Inflation has impacted many insurance companies. You should be checking...Paulson Insurance, to discuss different coverage types and how to stay protected.

Takeaways:

• Inflation has impacted many insurance companies. You should be checking your policies to make sure no changes have been made.

• Certain collectibles may not be covered by your insurance and may require a separate appraisal and additional coverage.

• Download our FREE helpful resource, “Inflation and Your Retirement”  

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
]]>1517cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-minimizing-expenses--64569237
Takeaways: 

• If you want to retire early, building a retirement plan can potentially help you save on insurance costs until you can get on Medicare.

• A retirement planner can help you optimize your Social Security, Taxes, and so much more. 

• Download our FREE helpful resource, “The Value of an Objective Opinion”  

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
]]>https://api.spreaker.com/episode/64569237Tue, 25 Feb 2025 19:36:57 +0000Brad FordDana and Brad discuss insurance expenses in retirement as well as ways a retirement planner can help you. Takeaways:  - If you want to retire early, building a retirement plan can potentially help you save on insurance costs until you can get on...
Takeaways: 

• If you want to retire early, building a retirement plan can potentially help you save on insurance costs until you can get on Medicare.

• A retirement planner can help you optimize your Social Security, Taxes, and so much more. 

• Download our FREE helpful resource, “The Value of an Objective Opinion”  

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
]]>1530cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-faulty-preparation--64565403
Takeaways:

• Financial institutions can make mistakes; it’s important to keep track of your financial accounts to hold them accountable.

• Only 22% of parents are confident they can teach their children the basics of investing. 

• Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes With an Estate Plan”  

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.]]>https://api.spreaker.com/episode/64565403Tue, 25 Feb 2025 16:13:12 +0000Brad FordDana and Brad discuss how to protect yourself from investment institution mistakes as well as preparing your children financially. Takeaways: - Financial institutions can make mistakes; it’s important to keep track of your financial accounts to...
Takeaways:

• Financial institutions can make mistakes; it’s important to keep track of your financial accounts to hold them accountable.

• Only 22% of parents are confident they can teach their children the basics of investing. 

• Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes With an Estate Plan”  

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.]]>1558cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-managing-your-expenses--64565149
Takeaways:

• It’s important to update your retirement plan yearly to account for changes in your life.

• Download our FREE helpful resource, “Will Your Money Last as Long as You Do in Retirement?” 

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
]]>https://api.spreaker.com/episode/64565149Tue, 25 Feb 2025 15:48:18 +0000Brad FordDana and Brad discuss maintaining your standard of living in retirement Takeaways: - It’s important to update your retirement plan yearly to account for changes in your life. - Download our FREE helpful resource, “Will Your Money Last as Long as...
Takeaways:

• It’s important to update your retirement plan yearly to account for changes in your life.

• Download our FREE helpful resource, “Will Your Money Last as Long as You Do in Retirement?” 

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
]]>830cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-the-election-how-it-affects-you--64564006
Takeaways:

• Historically elections have less of an effect on the market than the economy. 

• The market has done good, and bad, under both political parties.

• Download our FREE helpful resource, “The Value of an Objective Opinion”  

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.]]>https://api.spreaker.com/episode/64564006Tue, 25 Feb 2025 15:04:39 +0000Brad FordDana and Brad discuss how the election can affect retirement plans. Takeaways: - Historically elections have less of an effect on the market than the economy.  - The market has done good, and bad, under both political parties. - Download...
Takeaways:

• Historically elections have less of an effect on the market than the economy. 

• The market has done good, and bad, under both political parties.

• Download our FREE helpful resource, “The Value of an Objective Opinion”  

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.]]>822cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-listener-thoughts--64551299
Takeaways:

• The number one cost in your lifetime will be retirement. 

• Don’t be afraid to spend when retired. You saved that money to live, not just survive.

• Download our FREE helpful resource, “Your Retirement Income Planning Checklist”  

There is no compensation exchanged between Randy Kemp and Vineyard Financial. Randy Kemp, Vineyard Financial, and MAS are not affiliated entities. Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
]]>https://api.spreaker.com/episode/64551299Mon, 24 Feb 2025 22:37:18 +0000Brad FordDana and Brad welcome guest Randy Kemp, a long-time radio show listener, to discuss his thoughts on retirement. Takeaways: - The number one cost in your lifetime will be retirement.  - Don’t be afraid to spend when retired. You saved that...
Takeaways:

• The number one cost in your lifetime will be retirement. 

• Don’t be afraid to spend when retired. You saved that money to live, not just survive.

• Download our FREE helpful resource, “Your Retirement Income Planning Checklist”  

There is no compensation exchanged between Randy Kemp and Vineyard Financial. Randy Kemp, Vineyard Financial, and MAS are not affiliated entities. Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
]]>1598cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-upcoming-expenses--64424734
Takeaways:

• A house is only worth what someone in the market is willing to pay for it.

• When the 2017 Tax Cut Act sunsets at the end of 2025 taxes will revert to their previous rates.

• With the prospect of taxes raising in the future, tax diversification is even more important to your retirement plan.

• Download our FREE helpful resource, “Are You Paying Too Much in Taxes in Retirement?”  

Our firm does not offer tax or legal advice. Contact your tax or legal advisor regarding your situation. Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.]]>https://api.spreaker.com/episode/64424734Mon, 17 Feb 2025 22:56:47 +0000Brad FordDana and Brad discuss the current real estate market as well as the importance of tax diversification. Takeaways: - A house is only worth what someone in the market is willing to pay for it. - When the 2017 Tax Cut Act sunsets at the end of...
Takeaways:

• A house is only worth what someone in the market is willing to pay for it.

• When the 2017 Tax Cut Act sunsets at the end of 2025 taxes will revert to their previous rates.

• With the prospect of taxes raising in the future, tax diversification is even more important to your retirement plan.

• Download our FREE helpful resource, “Are You Paying Too Much in Taxes in Retirement?”  

Our firm does not offer tax or legal advice. Contact your tax or legal advisor regarding your situation. Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.]]>1476cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-living-a-long-life--64424569
Takeaways:

• If you are 65 and married there’s about an 80% chance one of you will live to your nineties.

• You must earn at least 40 credits to be eligible for Social Security. 

• Download our FREE helpful resource, “Will Your Money Last as Long as You Do?”  

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
]]>https://api.spreaker.com/episode/64424569Mon, 17 Feb 2025 22:50:49 +0000Brad FordDana and Brad discuss how longer life expectancy affects retirement plans. Takeaways: - If you are 65 and married there’s about an 80% chance one of you will live to your nineties. - You must earn at least 40 credits to be eligible for Social...
Takeaways:

• If you are 65 and married there’s about an 80% chance one of you will live to your nineties.

• You must earn at least 40 credits to be eligible for Social Security. 

• Download our FREE helpful resource, “Will Your Money Last as Long as You Do?”  

Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
]]>1556cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-preparation-for-your-loved-ones--63941845
Takeaways:

• Without a will, half of your assets go to your surviving spouse, while the other half is divided among your children.

• 62% of millennials don’t have a will in place.

• The average cost of homeowner’s insurance in Florida is 37% higher than the national average.

• Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes with an Estate Plan”.

Our firm does not offer tax or legal advice. Contact your tax or legal advisor regarding your situation. Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.



]]>https://api.spreaker.com/episode/63941845Mon, 27 Jan 2025 22:50:25 +0000Brad FordDana and Brad discuss the intricacies of estate planning as well as the cost of moving to a retirement community. Takeaways: - Without a will, half of your assets go to your surviving spouse, while the other half is divided among your children....
Takeaways:

• Without a will, half of your assets go to your surviving spouse, while the other half is divided among your children.

• 62% of millennials don’t have a will in place.

• The average cost of homeowner’s insurance in Florida is 37% higher than the national average.

• Download our FREE helpful resource, “The Greatest Gift: Outline Your Wishes with an Estate Plan”.

Our firm does not offer tax or legal advice. Contact your tax or legal advisor regarding your situation. Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.



]]>1576cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-is-real-estate-for-you--63421838
Takeaways:

 - In 2022, 10% of U.S. individuals over the age of 65 earned some form of income from a rental property.

-You never know how exposed your assets are until the market crashes.

- Download our FREE helpful resource, “Inflation & Your Retirement” Our firm is not licensed to buy or sell real estate properties.
]]>tag:soundcloud,2010:tracks/1937347277Fri, 01 Nov 2024 21:02:37 +0000Brad FordDana and Brad discuss the alternative investment vehicle, real estate, as well as unexpected expenses in retirement. Takeaways:  - In 2022, 10% of U.S. individuals over the age of 65 earned some form of income from a rental property. -You never...
Takeaways:

 - In 2022, 10% of U.S. individuals over the age of 65 earned some form of income from a rental property.

-You never know how exposed your assets are until the market crashes.

- Download our FREE helpful resource, “Inflation & Your Retirement” Our firm is not licensed to buy or sell real estate properties.
]]>1613cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-living-your-dream--63421844tag:soundcloud,2010:tracks/1937348684Fri, 01 Nov 2024 21:02:26 +0000Brad FordDana and Brad discuss the beginning steps of building a retirement plan Takeaways: - We have renamed our first meeting to “Living Your Dream” meeting because that is the goal of building a retirement plan with Vineyard Financial. - If you are ready...838cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-where-to-retire--63421853tag:soundcloud,2010:tracks/1937349656Fri, 01 Nov 2024 21:02:10 +0000Brad FordDana and Brad discuss living expenses in different U.S. states as well as different retirement age milestones. Takeaways: - On average, West Virginia is the cheapest state to live. - You can defer Social Security to age 70, but anything after that...1583cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-making-dreams-a-reality--63421847tag:soundcloud,2010:tracks/1937350673Fri, 01 Nov 2024 21:01:43 +0000Brad FordDana and Brad discuss the shift from doing what you HAVE to do, to doing what you WANT to do. Takeaways: - It can be helpful to write down your dreams so you can start working towards making them a reality. - Taking Social Security at the wrong time...1532cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-master-gardening--63421843tag:soundcloud,2010:tracks/1937351246Fri, 01 Nov 2024 21:01:27 +0000Brad FordDana and Brad are joined by Judy Halstead, President of the Southwestern Indiana Master Gardener Association (SWIMGA), to discuss gardening tips. Takeaways: - Studies have shown that working in the garden can be good for your well-being and mental...1627cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-simple-retirement-tips--63421840tag:soundcloud,2010:tracks/1937351771Fri, 01 Nov 2024 21:00:56 +0000Brad FordDana and Brad discuss the importance of a mid-year check-up for your retirement plan as well retirement planning tips. Takeaways: - Brad recently finished writing his first book, if you are interested in receiving a complimentary copy you can call...1613cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-protecting-your-beneficiaries--63421845tag:soundcloud,2010:tracks/1937352470Fri, 01 Nov 2024 21:00:37 +0000Brad FordDana and Brad discuss the importance of having an estate plan. Takeaways: - Social Security is projected to only pay $0.78 to the $1.00 by 2035. - A trust can allow a third-party to help take the emotion out of money decisions between family...1550cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-medicare-explained--63421859tag:soundcloud,2010:tracks/1925011550Fri, 27 Sep 2024 20:42:34 +0000Brad FordDana and Brad are joined by Cole Craven of Move Health Partners to discuss Medicare. Takeaways: - If you are under 65 and don’t get health insurance through a job, there are ways to get subsidies from the government to help pay for coverage. - Move...2328cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-the-sustainable-retirement-plan--63421839tag:soundcloud,2010:tracks/1870193352Tue, 23 Jul 2024 20:52:06 +0000Brad FordDana and Brad discuss Social Security as well as building a sustainable retirement plan. Takeaways: - The optimal time to take Social Security is different for every individual. - If you are worried about when you can retire, it would be beneficial to...1634cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-safety-precautions--63421849tag:soundcloud,2010:tracks/1870192719Tue, 23 Jul 2024 20:51:53 +0000Brad FordDana and Brad discuss medical insurance as well as alternative retirement living. Takeaways: - It’s better to have Long-Term Care insurance and not need it than to need it and not happen. You never know what could happen. - On average, over 90,000...1621cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-saving-on-taxes--63421864tag:soundcloud,2010:tracks/1870191189Tue, 23 Jul 2024 20:51:37 +0000Brad FordDana and Brad discuss ways to reduce your taxes. Takeaways: - If you are over 70.5 you can donate from your IRA to a charity and not pay taxes because it will satisfy your RMD requirement. - Many companies have started offering a Roth option for their...1570cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-student-loan-debt--63421841tag:soundcloud,2010:tracks/1870190532Tue, 23 Jul 2024 20:51:19 +0000Brad FordDana and Brad discuss student loan debt as well as vacation planning. Takeaways: - When paying off debts, invest any excess that you can so you are still growing your assets. - A 529 Account can be used as a college fund while also being a tax write...1623cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-home-insurance-tips--63421850tag:soundcloud,2010:tracks/1870189104Tue, 23 Jul 2024 20:51:07 +0000Brad FordDana and Brad discuss home insurance as well as answer listener questions. Takeaways: - It’s important to read over your entire insurance policy on your home to ensure you have the correct amount of coverage for all you own. - If you are widowed you...1552cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-can-i-retire--63421866tag:soundcloud,2010:tracks/1870188249Tue, 23 Jul 2024 20:50:45 +0000Brad FordDana and Brad discuss the current state of retirement savings. Takeaways: - A study by Goldman-Sachs found that due to competing spending employee retirement savings are down on average 37%. - 21% of people reported that they had to delay their...1565cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-moving-preparations--63421846tag:soundcloud,2010:tracks/1870186191Tue, 23 Jul 2024 20:50:30 +0000Brad FordDana and Brad discuss the expenses of moving as well as potential tax implications. Takeaways: - Moving is a fresh start and it’s important to have a plan for what you will do with the proceeds from selling your house to make sure they are protected....1612cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-financial-spring-cleaning--63421855tag:soundcloud,2010:tracks/1870185564Tue, 23 Jul 2024 20:50:11 +0000Brad FordDana and Brad discuss cleaning up your financials and making sure you know where everything is. They also answer listener questions. Takeaways: - If you have a junk drawer at home full of old retirement documents it may be a good idea to scan them to...1578cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-why-a-tax-planner--63421851tag:soundcloud,2010:tracks/1870184718Tue, 23 Jul 2024 20:49:58 +0000Brad FordDana and Brad welcome CPA, Michele Bennett, to discuss the benefits of tax planning for individuals as well as business owners. Takeaways: - Tax planning can help minimize taxes by looking ahead and calculating when may be the best time to make big...1619cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-the-national-debt--63421863tag:soundcloud,2010:tracks/1870181661Tue, 23 Jul 2024 20:49:43 +0000Brad FordDana and Brad discuss the national debt and how it may affect you. Takeaways: - If you are worried about taxes going up in the future now is the time to develop your tax plan. - Spending tends to go up in retirement since you have so much more time on...1535cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-answering-listener-questions--63421858tag:soundcloud,2010:tracks/1870179486Tue, 23 Jul 2024 20:49:14 +0000Brad FordDana and Brad discuss some common questions Brad receives about retirement Takeaways: - As scary as it may seem, it’s important to be prepared for the fact that you may become disabled in retirement. - If you have questions about your Social Security...805cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-401-k-s-and-job-fulfillment--63421860tag:soundcloud,2010:tracks/1870153170Tue, 23 Jul 2024 20:48:56 +0000Brad FordDana and Brad discuss different retirement accounts and the potential tax implications of each, as well as the current state of the job market. Takeaways: - A 401(k) rollover is the single largest transaction many people will make. It’s important to...1577cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-combatting-life-s-unknowns--63421848tag:soundcloud,2010:tracks/1870149495Tue, 23 Jul 2024 20:48:39 +0000Brad FordDana and Brad discuss the tragedy at the Kansas City Parade as well as the current tax landscape. Takeaways: - We’re not promised tomorrow, so make sure you have everything you need in order. - With everything going on that is out of your control, you...1541cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-your-most-asked-questions--63421865tag:soundcloud,2010:tracks/1764907263Mon, 04 Mar 2024 16:00:10 +0000Brad FordDana and Brad discuss the most searched investing and retirement terms on Google for last year as well as some of the investment vehicles that may be beneficial to you. Takeaways: - Statistically, women will outlive their spouses and will need to...1585cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-disaster-prevention--63421872tag:soundcloud,2010:tracks/1764904911Mon, 04 Mar 2024 15:57:23 +0000Brad FordDana and Brad discuss current tips for Social Security as well as how debt may affect your relationships. Takeaways: - The Social Security Administration can no longer give you advice when it comes to deciding how you withdrawal your benefits. - It...1567cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-social-security-debt--63421857tag:soundcloud,2010:tracks/1764901188Mon, 04 Mar 2024 15:52:45 +0000Brad FordDana and Brad discuss current tips for Social Security as well as how debt may affect your relationships. Takeaways: - The Social Security Administration can no longer give you advice when it comes to deciding how you withdrawal your benefits. - It is...1563cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-the-tolls-of-retirement--63421887tag:soundcloud,2010:tracks/1764897609Mon, 04 Mar 2024 15:48:39 +0000Brad FordDana and Brad discuss estate planning and the psychological toll of retirement. Takeaways: - Make sure you have an estate plan established to potentially avoid hefty legal fees if there are any disputes. - Retirement is an abrupt change to your daily...1540cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-baby-boomer-problems--63421868tag:soundcloud,2010:tracks/1764895842Mon, 04 Mar 2024 15:46:23 +0000Brad FordDana and Brad discuss problems that younger baby boomers face as well as the updated retirement account contribution limits for 2024. Takeaways: - If you lose 50% of your investment, you now have to make 100% of what you have to be where you started....1497cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-do-you-need-long-term-care--63421867tag:soundcloud,2010:tracks/1764894402Mon, 04 Mar 2024 15:44:27 +0000Brad FordDana and Brad discuss the benefits of long-term care insurance as well as how the Secure Act may impact you. Takeaways: - Many adults have to rely on family for care instead of checking into an assisted living facility due to costs. - Long-Term Care...1569cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-international-retirement--63421890tag:soundcloud,2010:tracks/1764892689Mon, 04 Mar 2024 15:42:07 +0000Brad FordDana and Brad compare retirement in the United States with other countries. Takeaways: - Many Americans don’t have access to an employer sponsored retirement plan. - Social Security is projected to only pay $0.78 on the dollar by 2035. - Download our...1571cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-2024-social-security-updates--63421876tag:soundcloud,2010:tracks/1764888729Mon, 04 Mar 2024 15:36:08 +0000Brad FordDana and Brad discuss how tax rates may affect your Social Security withdrawals. Takeaways: - You’ve got to be careful withdrawing Social Security while still receiving income because it is subject to tax. - You can view the federal income tax rates...1588cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-the-social-security-system--63421852tag:soundcloud,2010:tracks/1658248593Mon, 06 Nov 2023 19:10:47 +0000Brad FordDana and Brad discuss strategies for deciding when to take Social Security Takeaways: - You can schedule a complimentary meeting with us today to input your Social Security into our Strategic Retirement Plan software to help build your retirement...1528cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-what-is-funflation--63421871tag:soundcloud,2010:tracks/1658247648Mon, 06 Nov 2023 19:09:19 +0000Brad FordDana and Brad discuss how current events are affecting inflation. Takeaways: - Our new website is RefiningRetirement.com. Visit now to download our Complimentary Retirement Planning Bundle! - Medicare is a long, drawn-out process to get started, but...1564cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-how-do-you-navigate-retirement--63421873tag:soundcloud,2010:tracks/1658155866Mon, 06 Nov 2023 16:51:18 +0000Brad FordDana and Brad discuss preparing your estate as well as the different types of retirement accounts. Takeaways: - It may be a good idea if you have multiple children and trust them both, to make them Co-Power of Attorney on your will. - Tax-Deferred...1529cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-estate-planning-answers--63421894tag:soundcloud,2010:tracks/1658149341Mon, 06 Nov 2023 16:46:36 +0000Brad FordDana and Brad speak with Bill Bussing, an estate planning attorney in the Evansville area. Takeaways: - An important place to start is figuring out how everything you own is titled, because different types of ownership will affect your estate plan. -...1635cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-real-estate-retirement-and-marriage--63421854tag:soundcloud,2010:tracks/1658147361Mon, 06 Nov 2023 16:45:13 +0000Brad FordDana and Brad speak with Elaine Sollars, a real estate agent in the Tri-State Area. Dana and Brad also discuss long term planning for your family. Takeaways: - It is important to find a realtor that you can trust when looking to move during retirement...1636cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-what-is-peak-65--63421862tag:soundcloud,2010:tracks/1658145573Mon, 06 Nov 2023 16:43:55 +0000Brad FordDana and Brad discuss Peak 65, the time that more people reach age 65 than ever before in America. Takeaways: - Once we reach Peak 65, the retirement vehicles will have more stress added and that will affect everyone in the pre-retirement phase of...1639cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-when-can-you-retire--63421879tag:soundcloud,2010:tracks/1658143665Mon, 06 Nov 2023 16:42:47 +0000Brad FordDana and Brad discuss the current state of retirement savings for Generation X as well as some tips for when you are transitioning to retirement. Takeaways: - A study by the American Society of Pension Professionals and Actuaries found that the...1549cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-do-you-really-need-that--63421877tag:soundcloud,2010:tracks/1658126265Mon, 06 Nov 2023 16:29:46 +0000Brad FordDana and Brad discuss the psychological freedom that comes with speaking with a retirement planner as well as downsizing in retirement. Takeaways: - It’s important to have multiple portfolios to protect you when you need to make withdrawals and the...1630cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-why-spouses-should-work-together--63421878tag:soundcloud,2010:tracks/1658124405Mon, 06 Nov 2023 16:28:24 +0000Brad FordDana and Brad discuss five keys to a successful retirement plan as well as how couples need to work together on their retirement. Takeaways: - The Social Security Index tends to only keep up with 80% of inflation. - Women outlive men by an average of...1596cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-implementing-retirement-vehicles--63421881tag:soundcloud,2010:tracks/1658122956Mon, 06 Nov 2023 16:27:20 +0000Brad FordDana and Brad discuss the ways in which Social Security is subject to tax as well as the intricacies of life insurance. Takeaways: - Although they are guaranteed sources of income, pensions and Social Security aren’t worth as much as they used to be....1556cleanfullhttps://www.spreaker.com/episode/refining-retirement-funflation--63421895tag:soundcloud,2010:tracks/1652641473Mon, 30 Oct 2023 14:27:40 +0000Brad FordWhether it’s the threat of conflicts overseas, uncertainty about government policies, or the outbreak of a global pandemic, there could always be another storm brewing on the horizon. We can’t prevent these financial storms from popping up, but we can...3241cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-federal-debt-timeline--63421893tag:soundcloud,2010:tracks/1553065417Thu, 29 Jun 2023 19:19:13 +0000Brad FordDana and Brad discuss the history of debt in the United States as well as familial retirement savings. Takeaways: - You can view the Federal Debt Timeline at this website: https://www.debt.org/faqs/united-states-federal-debt-timeline/ - In the United...1549cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-failure-to-launch--63421861tag:soundcloud,2010:tracks/1553026654Thu, 29 Jun 2023 18:16:29 +0000Brad FordDana and Brad discuss parents sacrificing their retirement savings to help their children as well as travel tips and tricks. Takeaways: - It is important to not sacrifice your retirement savings to help adult children out. - Shop around to different...1595cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-your-retirement-roadmap--63421896tag:soundcloud,2010:tracks/1553022055Thu, 29 Jun 2023 18:07:21 +0000Brad FordDana and Brad discuss building a personal retirement plan as well as life insurance. Takeaways: - It is a good idea to speak with a retirement planner to make sure that your plan for retirement is feasible and optimized to your individual needs. -...1612cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-pre-retirement-breakdown--63421869tag:soundcloud,2010:tracks/1547406487Thu, 22 Jun 2023 20:47:18 +0000Brad FordDana and Brad discuss being prepared for the crossover from employment to retirement. Takeaways: - It is important to have an idea of when you want to retire so you can help build your Sustainable Retirement Plan as accurately as possible. - If you...1621cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-financial-literacy--63421875tag:soundcloud,2010:tracks/1532320855Tue, 06 Jun 2023 15:00:28 +0000Brad FordDana and Brad discuss the status of new retirees in a volatile market as well as how a reverse mortgage can be used. Takeaways: - 2.6 million more Americans than average retired in the last year due to pandemic related reasons - It’s never too late...1634cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-don-t-risk-your-credit-score--63421870tag:soundcloud,2010:tracks/1532308795Tue, 06 Jun 2023 14:39:17 +0000Brad FordDana and Brad discuss different levels of risk for investments and the importance of your credit score. Takeaways: - Treasury Bonds are backed by the government instead of being insured by the FDIC - Auto and Home Owner’s Insurance Companies take...1650cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-accessibility-in-retirement--63421882tag:soundcloud,2010:tracks/1532288998Tue, 06 Jun 2023 14:07:31 +0000Brad FordDana and Brad discuss home modifications to accommodate your retirement as well as how to protect yourself from a bank crash. Takeaways: - If you plan to stay in place when you retire, get an estimate early to know how much it may cost to retrofit...1621cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-how-gender-affects-retirement--63421897tag:soundcloud,2010:tracks/1531746082Mon, 05 Jun 2023 21:51:44 +0000Brad FordDana and Brad discuss interest rates as well as how gender may affect your retirement plan. Takeaways: - Before taking a loan to make a big purchase, evaluate if it currently fits with your income plan due to high interest rates. - There have been...1568cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-threats-to-your-retirement--63421884tag:soundcloud,2010:tracks/1531725424Mon, 05 Jun 2023 21:24:25 +0000Brad FordDana and Brad discuss retirement income sources as well as circumstances that may affect them. Takeaways: - Modified Adjusted Gross Income (MAGI) is an important number to understand because if it is over $34,000 and you are married up to 50% of...1635cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-inflation-information--63421898tag:soundcloud,2010:tracks/1531697467Mon, 05 Jun 2023 20:44:37 +0000Brad FordDana and Brad discuss the sentiments of the Federal Reserve on inflation. Takeaways: - If you have any questions or doubts about your current retirement savings reach out to an advisor and get a second opinion. - As interest rates go up, the value of...1611cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-are-you-ready-to-retire--63421888tag:soundcloud,2010:tracks/1531670230Mon, 05 Jun 2023 20:17:33 +0000Brad FordDana and Brad discuss what you should know before deciding to retire. Takeaways: - A Sustainable Retirement Plan can help you know if your savings should be enough to last the entirety of your retirement. - It is projected that in 2035, Social...1644cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-navigating-a-down-market--63421899tag:soundcloud,2010:tracks/1522619023Thu, 25 May 2023 18:24:13 +0000Brad FordDana and Brad discuss the current state of the market and the importance of diversification. Takeaways: - Diversification is one of the best ways to fight the effects of a down market - A Strategic Roth Conversion can help you avoid paying more in...1669cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-recognizing-fraud--63421883tag:soundcloud,2010:tracks/1522610410Thu, 25 May 2023 18:11:15 +0000Brad FordDana and Brad discuss a few different forms of elder fraud as well as some of the ins and outs of Social Security. Takeaways: - Be aware that scams targeting the elderly are becoming more advanced. In 2022, $3.1 Billion was reported in losses. That...1645cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-combatting-a-recession--63421892tag:soundcloud,2010:tracks/1522483138Thu, 25 May 2023 15:08:38 +0000Brad FordDana and Brad discuss creating a Sustainable Retirement Plan and the potential effects of a recession. Takeaways: - It is important to have a Sustainable Retirement Plan in place to help you react to major life changes. - A good rule of thumb is to...1629cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-inflation-and-social-security-tips--63421886tag:soundcloud,2010:tracks/1521795688Wed, 24 May 2023 21:41:59 +0000Brad FordSummary: Dana and Brad discuss the effects of inflation and different ways to draw social security. Takeaways: - Inflation never stops changing so it is important to understand how to implement it into your retirement plan. - There are over 80 ways...1625cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-your-tax-plan-in-retirement--63421900tag:soundcloud,2010:tracks/1521785650Wed, 24 May 2023 21:22:37 +0000Brad FordDana and Brad discuss Strategic Roth Conversions and tax liability reduction strategies. Takeaways: -A Strategic Roth Conversion can transfer money from a tax deferred account to a tax-free account to help you avoid paying more in taxes at a later...1571cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-the-effects-of-inflation--63421901tag:soundcloud,2010:tracks/1521776392Wed, 24 May 2023 21:07:44 +0000Brad FordSummary: Dana and Brad discuss how inflation can affect your retirement plan Takeaways: -Everyone’s situation is different and that is why it’s a good idea to create a sustainable retirement plan because there is no magic number to reach to be able to...1623cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-the-conversation-about-debt--63421902tag:soundcloud,2010:tracks/1497009925Thu, 20 Apr 2023 15:15:28 +0000Brad FordDana and Brad discuss tips to overcome debt in retirement as well as the effects of companies pivoting away from providing pensions. Takeaways: - A Sustainable Retirement Plan can help you build a Debt Reduction Strategy to pay down debt in...1623cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-social-security--63421889tag:soundcloud,2010:tracks/1497007102Thu, 20 Apr 2023 15:13:27 +0000Brad FordDana and Brad discuss IRA and Social Security payments. Takeaways: -You are required to start taking Required Minimum Distributions from your IRA accounts at 72 and missing these can lead to penalties. More information can be found at...1615cleanfullhttps://www.spreaker.com/episode/the-best-of-refining-retirement-podcast-retirement-planning-strategies--63421891tag:soundcloud,2010:tracks/1496997898Thu, 20 Apr 2023 15:06:46 +0000Brad FordDana and Brad discuss how to avoid being overwhelmed by taxes as well as how meeting with a retirement planner can benefit you. Takeaways: -You can pay taxes quarterly to help mitigate the loss of funds whenever taxes are due. -A retirement planner...1642cleanfullhttps://www.spreaker.com/episode/refining-retirement-retirement-dreams-vs-reality--63421874tag:soundcloud,2010:tracks/1405829362Mon, 19 Dec 2022 14:55:28 +0000Brad FordWhether it’s the threat of conflicts overseas, uncertainty about government policies, or the outbreak of a global pandemic, there could always be another storm brewing on the horizon. We can’t prevent these financial storms from popping up, but we can...3209cleanfullhttps://www.spreaker.com/episode/refining-retirement-impact-of-inflation--63421903tag:soundcloud,2010:tracks/1405828555Mon, 19 Dec 2022 14:53:36 +0000Brad FordWhether it’s the threat of conflicts overseas, uncertainty about government policies, or the outbreak of a global pandemic, there could always be another storm brewing on the horizon. We can’t prevent these financial storms from popping up, but we can...3209cleanfull