Bästa Retirement 360 podcaster (2024)

1
Balance Your Retirement Portfolio Now - November 3, 2024 52:02

28d ago52:02

52:02

With growth in certain sectors of your investments, the allocation could get out of balance between stocks, bonds and other elements. Alan and Troy take a look at keeping everything balanced to help keep things in range, as well as determining tax responsibilities.Av Alan Mercurio

1
401K Rollover Mistakes - October 20, 2024 52:05

1M ago52:05

52:05

When you roll over a 401K into an IRA it is done in cash, and people can lose out on the potential of growth if those funds are not reallocated into new funds or investments. Alan and Troy discuss a recent survey by Vanguard indicating that people need to pay attention to this when they do a rollover so they can make sure that money is continuing t…

1
Taking Control of Retirement - October 13, 2024 52:03

2M ago52:03

52:03

There are a lot of things you can't control in retirement planning - inflation, pandemics, etc. But you can control more than you think, and Alan discusses how putting a plan together can take future events into account, whatever they may be, to make sure money is there when you need it.Av Alan Mercurio

1
Retirement Regrets - October 6, 2024 52:05

2M ago52:05

52:05

Alan and Troy take a look at the results of a recent survey where Americans look at the regrets they have over financial decisions they have made, how they can affect your retirement, and how to work around them. They also revisit the topic of annuities and how they could work in one's retirement plan to help provide guaranteed income.…

1
Revisiting Large IRAs - September 29, 2024 52:05

2M ago52:05

52:05

Troy and Alan revisit planning for large IRAs, which some folks may have built up over years of saving in their company plans.Av Alan Mercurio

1
Making Retirement Money Last - September 22, 2024 52:03

2M ago52:03

52:03

Troy and Ashley Schneider appear on this show to discuss ways to help make your retirement savings last, taking into account longevity risk, market volatility, inflation and rising taxes, among others.Av Alan Mercurio

1
What May Change for Social Security - September 15, 2024 52:04

3M ago52:04

52:04

Alan and Troy open the show by discussing Social Security and the projected cost of living increase for 2025, among other issues. Later they take a look at topics that should be on your retirement planning list, as well as answer listener questions.Av Alan Mercurio

1
Reasons to Fire Your Advisor - September 8, 2024 52:04

3M ago52:04

52:04

Alan and Troy take a look at when it may be time to change your advisor to one focused on retirement planning, especially when it comes to income and distribution rather than just growth.Av Alan Mercurio

1
Get the Facts on Social Security - September 1, 2024 52:04

3M ago52:04

52:04

Alan and Troy revisit one of the most popular government programs for retirement, Social Security. It's more complicated than it appears on the surface, and the guys take you through the most basic aspects of the program and how you can use it to obtain the most benefits for your situation.Av Alan Mercurio

1
Market Volatility - August 11, 2024 52:03

4M ago52:03

52:03

Alan and Ashley Rose Schneider discuss the recent market volatility to open the program, and how having a plan can help mitigate the damage caused by sudden downturns such as what happened this past Monday. Later they revisit the topic of planning for the worst but hoping for the best in retirement.Av Alan Mercurio

1
Planning For Large IRAs - July 28, 2024 52:06

4M ago52:06

52:06

People are building up larger 401K and IRA amounts recently, as much as a million dollars or more, and the tax implications on amounts such as these can end up being a high number. Alan and Troy discuss how planning for such large retirement accounts can be beneficial, especially when it comes to tax planning and keeping more money in your pocket, …

1
Election 2024 - July 21, 2024 52:04

4M ago52:04

52:04

Alan and Troy look at the upcoming presidential election and react to comments by Jeff Bush of the Washington Insider about taxes and potential tax planning opportunities people can and should take advantage of now before things can change. They also revisit the five aspects of a solid retirement plan.…

1
Financial Independence - June 30, 2024 52:02

5M ago52:02

52:02

Independence Day is coming up for the United States, and Alan and Troy look at the best ways you can provide independence for your retirement plan and the lifestyle you wish to enjoy. They also re-visit the subject of retirement for small business owners and what they can do to make sure their own post-working plans can be successful while transiti…

1
Three Stages of Retirement - June 23, 2024 52:02

5M ago52:02

52:02

Today Troy and Ashley Schneider take a look at the three stages of retirement commonly referred to as the go-go, slow-go and no-go stages, each lasting roughly ten years, and each with its own particular financial needs. Troy and Ashley look at how your money may need to be allocated in each stage as part of an ongoing financial plan.…

1
Test Drive Your Retirement - June 16, 2024 52:04

6M ago52:04

52:04

You test drive cars - why not "test drive" your retirement? Alan and Troy discuss the idea of trying out the lifestyle you have thought about before you actually retire, especially in regards to relocating, getting an RV, or other different routines. Later they discuss the idea of making marginal gains in your retirement investments, and how even s…

1
All About Annuities - June 9, 2024 52:05

6M ago52:05

52:05

Alan and Troy cover one of the most polarizing financial instruments available, the annuity. They look at the various kinds, how they work and how they may fit into a retirement plan to provide guaranteed income for either a set period of time, or a lifetime.Av Alan Mercurio

1
Looking At Taxes - May 19, 2024 52:05

7M ago52:05

52:05

Alan and Troy take a look ahead at upcoming potential tax increases, and how retirees can use tax planning to legally lower the amount of taxes you need to pay if that happens. Later they revisit the three stages of retirement, where retirees will do less activity as their retirement goes along and how their nest egg needs to work in each stage.…

1
Plan for the Worst, Hope for the Best - May 11, 2024 52:06

7M ago52:06

52:06

Today Alan introduces a new sub-advisor, Ashley Rose Schneider, to the show, and she and Alan discuss why it is important to plan for worst case scenarios so family members will know what their plan encompasses in case something catastrophic does occur.Av Alan Mercurio

1
The National Debt - April 28, 2024 52:04

7M ago52:04

52:04

Alan and Troy start the show by looking at the fast increasing U.S. national debt and how tax rates are virtually certain to go up to help try to pay it off. Later they revisit creating a solid legacy plan as part of the Retirement 360 Game Plan.Av Alan Mercurio

1
Respect Your Elders; Honor Their Legacy - April 21, 2024 52:05

7M ago52:05

52:05

The show starts with an introduction to Troy Bolton and his background as a financial planner, then Alan joins him to discuss estate and legacy planning and the kinds of things someone needs to know when adding this to their retirement plan.Av Alan Mercurio

1
Make Your Money Work For You - April 13, 2024 52:03

8M ago52:03

52:03

Alan and Troy talk about longevity and how it is important to include the possibility of a long lifespan in a retirement plan. They also take a look back at the importance of making your money work for you in all aspects of retirement.Av Alan Mercurio

1
Creating A Lasting Legacy - March 30, 2024 52:03

8M ago52:03

52:03

Today Alan and Troy look at what constitutes a solid legacy plan that will make sure your wishes are carried out after you're gone.Av Alan Mercurio

1
Topics On Your Retirement Planning List - March 24, 2024 52:03

8M ago52:03

52:03

A recent survey showed that many people age 55 and older either failed or just barely passed a Social Security quiz. Alan and Troy discuss some of the questions on the quiz and present the right information to help people get the most from these benefits. Later they revisit retirement strategies for small business owners.…

1
Bon Voyage in Retirement - March 17, 2024 52:03

9M ago52:03

52:03

When you plan a vacation, you need to get everything in order like passports, tickets and much more. The same thing goes for retirement planning, and today Alan and Troy discuss the things you need to have ready when you want to enjoy retirement life.Av Alan Mercurio

1
The Retirement 360 Book - March 3, 2024 52:04

9M ago52:04

52:04

Troy's book about the Retirement 360 Game Plan is now one year old, and today Alan and Troy continue their special offer to give a copy away along with the Retirement Took Kit that will help you get started on the process of putting a full Retirement 360 Game Plan together with the help of Mercurio Wealth Advisors.…

1
More Retirement Issues for 2024 - February 25, 2024 52:05

9M ago52:05

52:05

Medicare is going up again in 2024, and Alan and Troy discuss how to control how you take your income before they affect your taxes, which could relate to Medicare premiums. They also revisit the subject of making marginal retirement gains on a consistent basis to mitigate market volatility.Av Alan Mercurio

1
Make Your Money Work For You - February 18, 2024 52:05

10M ago52:05

52:05

You have a nice nest egg of retirement savings - but how do you turn that into income, which is what you need first and foremost when you actually retire? Today Alan and Troy take a look of strategies and steps you can take to make sure you have income every month so you can live the lifestyle you want in your post-working years.…

1
A Look Ahead - January 28, 2024 52:03

10M ago52:03

52:03

Alan and Troy start the show by looking at what they see coming for 2024, then they look at planning for the worst case scenarios in retirement if things go off the rails from your original plan.Av Alan Mercurio

1
New Things For 2024 - January 7, 2024 52:05

11M ago52:05

52:05

Today Troy takes a look at things which are changing that you need to know about for the coming year, including new IRS rules, Social Security adjustments and more. Then Alan joins him to revisit how retirement in real life may differ from what someone might imagine it to be beforehand.Av Alan Mercurio

1
Top Financial News - December 31, 2023 52:06

11M ago52:06

52:06

Alan and Troy revisit the top financial news stories of 2023, then look back at legacy planning and how important it could be in your financial plan to make sure what you leave behind goes to who you want it to go to in the most tax efficient way possible.Av Alan Mercurio

1
Financial Habits to Break - December 24, 2023 52:04

11M ago52:04

52:04

With a new year about to start, it's a good time to take stock of your financial plan and get out of bad habits which could derail the timing of your potential retirement. Alan and Troy go over some of these, including not having a budget, not paying attention to fees, and several others.Av Alan Mercurio

1
The Psychology of Money - December 17, 2023 52:04

12M ago52:04

52:04

Finances and money have an emotional side that people often have issues with, especially when it comes to retirement planning. Alan and Troy take a look at how behavior can affect how people look at their situation heading into retirement and how a financial professional can help them plan to stay on track and not make emotional decisions that coul…

1
Top Financial News of 2023 - December 10, 2023 52:03

12M ago52:03

52:03

Today Troy looks at some of the top financial news stories of this past year, then he and Alan revisit Social Security and the facts around this program that still constitutes a good portion of most people's retirement income plans.Av Alan Mercurio

1
Taking A Look Back - December 3, 2023 52:04

12M ago52:04

52:04

Today Alan and Troy take another look at a year end checklist of things to get done financially before 2023 turns into 2024. Then they look at the three stages of retirement. commonly referred to as the go-go years, the slow-go years and the no-go years, and how your money needs to be available for certain things in each stage.…

1
How to Get Higher Interest Rates - November 26, 2023 52:04

1y ago52:04

52:04

Alan discusses a trick banks use by not raising your account's interest rates when they go up. But if you ask them about it, they could get better rates for your account. Later he and Troy visit the challenges women have when putting plans together for their own retirement without a partner.Av Alan Mercurio

1
Retirement Dreams vs. Reality - November 19, 2023 52:08

1y ago52:08

52:08

Sometimes what you imagine retirement will be like isn't what it turns out to be. Alan and Troy take a look at what happens when the reality of retirement clashes with the thought of what you want it to be, and how planning can help with issues that crop up that could change the way you could live your post-working years.…

1
Long Term Care Planning - November 12, 2023 52:03

1y ago52:03

52:03

November is long term care awareness month, and people have a tendency not to plan for it because they may not know all their options. Alan and Troy discuss the issue and how it could be more affordable than you think with various programs designed to cover at least some of the costs.Av Alan Mercurio

1
Do You Need Life Insurance - November 5, 2023 52:06

1y ago52:06

52:06

Everyone should have life insurance at some point - but not everyone needs it for retirement purposes. Today Alan and Troy discuss the idea of having life insurance as an instrument to use in a specific way for retirement and legacy planning.Av Alan Mercurio

1
Social Security - October 29, 2023 52:03

1y ago52:03

52:03

After looking at recent financial news, Alan and Troy take a look back at the facts about Social Security and the ways in which in can be taken to help optimize your benefits that maybe you didn't know you had coming.Av Alan Mercurio

1
Year End Checklist and Respecting Your Elders - October 22, 2023 52:04

1y ago52:04

52:04

Today Alan and Troy go over a list of things to be aware of getting done before 2023 ends, then take a look at legacy planning and how best to respect the wishes of those who have passed to be sure what they leave behind is passed on to those who are supposed to receive it.Av Alan Mercurio

1
Looking Up (Maybe) - October 8, 2023 52:04

1y ago52:04

52:04

Retirement account balances are up, according to recent data. But that means you have more to lose in the event of market volatility. Today Alan and Troy talk about how to plan for that scenario so that you keep more of what you have saved and earned throughout your working career.Av Alan Mercurio

1
Bon Voyage in Retirement - October 1, 2023 52:05

1y ago52:05

52:05

Alan and Troy discuss the items necessary for a solid retirement plan and how much it's like planning for a special trip. They also address the local situation involving various businesses potentially buying out employee pensions and how to make the right decision for your particular situation.Av Alan Mercurio

1
Life Insurance in Retirement - September 24, 2023 52:04

1y ago52:04

52:04

September is life insurance month, and it could play an important role in your retirement plan. Alan and Troy discuss how it may fit into a plan in the fight situation, as well as upcoming seminars they will be putting on. Later in the show they revisit the idea of making marginal gains in your retirement investments, and how that is better than ta…

1
Retirement Challenges for Women - September 17, 2023 52:05

1y ago52:05

52:05

Today Alan and Troy take a look at the unique challenges women face when putting together retirement plans, whether it is as part of a couple or for themselves as a single person.Av Alan Mercurio

1
Get the Facts on Social Security - September 3, 2023 52:05

1y ago52:05

52:05

Alan and Troy break down Social Security and its importance to anyone's retirement income plan, and also address letting a financial professional help determine when the best time to take it would be for your situation. And be listening for a special offer from Mercurio Wealth Advisors for folks to call and get started with a Retirement 360 Scoreca…

1
Retirement For Small Business Owners - August 27, 2023 52:05

1+ y ago52:05

52:05

If you own a small business, retirement planning could get even more complicated than if you were just an employee. Today Alan and Troy go over options you have with your business and how you can plan for life after owning it.Av Alan Mercurio

1
What To Do When Your Spouse Dies - August 13, 2023 52:03

1+ y ago52:03

52:03

Aside from the emotional aspect of a spouse passing away, the financial and legacy aspects still need to be addressed. Today Troy, whose own father died when he was three, addresses what needs to happen if a spouse passes away early, and how proper planning can help make this transition go as smoothly as it can under the circumstances.…

1
Headlines and Four Questions - August 6, 2023 52:04

1+ y ago52:04

52:04

Alan and Troy look at some current financial news and also provide updates on upcoming seminars. Later they look back at four important questions people should ask themselves before pulling the trigger on retirement.Av Alan Mercurio

1
Don't Forget The Legacy - July 23, 2023 52:05

1+ y ago52:05

52:05

Today's show takes a look at a recent settlement of the estate of singer Aretha Franklin, who didn't leave a formal will but a jury decided from two handwritten notes which one would act as her final wishes, pitting one of her three sons against the other two. Alan and Troy discuss why legacy planning is important, as well as getting over any trepi…

1
Downsizing - July 16, 2023 52:05

1+ y ago52:05

52:05

Retiring often means getting rid of a lot of things in order to perhaps move to a smaller living space, or just to declutter because you didn't have time when you were working. Today Alan and Troy talk about downsizing and organizing all the financial statements and accounts you may have and put them together into one written financial plan that ca…

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