Five Pillars of Retirement: Part 2 | Retirement Today Ep. 31 скачать в хорошем качестве

Five Pillars of Retirement: Part 2 | Retirement Today Ep. 31

In this episode of Retirement Today, David Cox and Jaclyn Gladhill break down the five essential pillars of retirement planning and explain why retirement is about much more than simply saving money. Using a practical, relatable approach, they discuss how tax planning, investment planning, income planning, healthcare planning, and legacy planning all work together to help build a more confident retirement strategy. Throughout the conversation, they highlight common retirement concerns such as tax efficiency, required minimum distributions, risk management, creating reliable income, planning for healthcare costs, and preparing a legacy for loved ones. They also emphasize the value of working with a trusted financial professional to help make sense of complex decisions and create a plan that adapts as life changes. Timestamps: 00:00 - Why retirement planning feels overwhelming 00:54 - Introduction to the episode and guest Jaclyn Gladhill 02:13 - Knowing where you are and where you want to go in retirement 03:39 - The five pillars of retirement planning 04:04 - Why tax planning is often overlooked 05:28 - Required minimum distributions and tax consequences 07:23 - Charitable giving strategies and qualified charitable distributions 08:36 - Why proactive tax planning matters 09:42 - Pillar two: investment planning 10:19 - What the perfect investment would look like 11:24 - Understanding investment tradeoffs 12:29 - How risk changes as retirement approaches 13:00 - Finding your safe risk ratio 15:10 - The emotional risks of do-it-yourself investing 16:41 - Pillar three: income planning 17:01 - Why retirement income planning is different today 18:19 - The fear of running out of money 19:03 - Building a spending plan, income plan, and balance sheet 19:38 - Redefining ROI as reliability of income 20:57 - Pillar four: healthcare planning 21:14 - Managing and transferring healthcare-related risk 22:34 - Medicare planning and avoiding surprises 23:31 - Long-term care and the need to plan ahead 24:28 - Five ways to prepare for long-term care 25:54 - Pillar five: legacy planning 26:20 - Leaving assets in a tax-efficient way 27:00 - Preparing a spouse and family for the future 27:38 - Why beneficiary designations matter 28:57 - Where to start with retirement planning 29:31 - The value of a trusted financial professional 30:19 - Beacon Wealth Advisory’s mission and how to connect 31:14 - Episode wrap-up Need help preparing for retirement? Schedule a no-obligation consultation today. Call us at 📞 1-800-994-8993 or visit our website at 🌐 www.beaconwealthadvisory.com to get started. #RetirementToday #BeaconWealthAdvisory #401kRollover #RetirementPlanning #WealthManagement #TaxStrategies #InvestmentTips #FinancialFreedom #retirement #retirementplanning #SocialSecurity #SocialSecurityBenefits #ira #rothira #taxfree #taxplanning #estateplanning #holisticfinancialstrategy #TaxPlanning #RothConversion #medicare #kansas #overlandpark