Financial Freedom Podcast

A semi-monthly podcast that brings you advice and interviews with experts on various important topics to help you make better and smarter financial decisions in order to improve or maintain your financial situation.

Financial Freedom Podcast is a education podcast hosted by Steven J. Richardson, Esq., with 150 episodes on record and a Required Pod Score of 80.

Steven J. Richardson, Esq. hosts Financial Freedom Podcast, a education show with 150 episodes published.

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  Episode #257

  Episode 257: Protecting Your Nest Egg in Retirement with Theodore Hicks

  Sep 25, 202642 min

  Most of us are told the same thing about investing: stay the course, ride out the dips, and trust the long term. But what happens when you no longer have decades to wait out a bad market because you're retired, or about to be? That's why in this episode of the podcast I talk with Theodore Hicks about what it really takes to protect a nest egg once the paychecks stop coming. In this episode you will learn: Why the standard "invest for the long term" advice can be especially dangerous for people at or near retirement Why the national debt and Social Security's funding gap matter to your own retirement plan The truth about "safe" bonds and fixed income during a crisis or rising-rate environment How a rules-based, multi-strategy approach can help protect a nest egg through a prolonged bear market Why tax efficiency matters when managing withdrawals and why you shouldn't let the "tax tail wag the investment dog"

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  Episode #256

  Episode 256: Creating Your Retirement Income Playbook with Ron Deutsch

  Sep 11, 202638 min

  People approaching retirement in 3 to 5 years have to start thinking differently about their money and what they are going to do once the paychecks stop. They have to have a plan, a playbook to follow on what that income is going to look like. That's why in this episode of the podcast I talk Ron Deutsch at Magnus Financial Group about how to write that playbook and have financial freedom in retirement. In this episode you will learn: How to build a retirement income playbook that generates reliable income without taking on unnecessary risk The key differences between financial advisors and what questions to ask before choosing one Why true portfolio diversification still matters, even in today's market The most costly retirement planning mistakes, and how to avoid them

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  Episode #255

  Episode 256: Avoiding the Widow's Trap with Michael Karwic

  Aug 28, 202651 min

  The loss of a spouse is devastating in many ways. The person you've been spending your life with is now gone. There are also the many financial issues you have to deal with, and one of them can be devastating to those over 65 and retirees. It's called the "Widow's Trap" and most people aren't prepared for it. That's why in this episode of the podcast I talk to repeat guest and Certified Financial Transitionist Michael Karwic to tell us what it is and how to avoid falling into it. In this episode you will learn: What the "widow's trap" is and why it catches so many families by surprise The tax, Social Security, and estate-document mistakes that most often trip up a surviving spouse Practical steps couples can take now to protect each other before a crisis forces the issue

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  Episode #254

  Episode 254: Reverse Mortgages with Paul Dilks

  Aug 14, 202647 min

  Many people trying to maintain financial independence and freedom find themselves cash poor, but asset rich. They need more money in the bank, but have loads of equity in their home. Problem is, they don't want to sell the home to liquidate the equity; they want to continue living it. As my guest in this episode would say: "Reverse mortgage to the rescue!" To bust the misconceptions about them, and tell us how they can help with retirement and estate planning, I talk with Paul Dilks, of WSFS Bank, to get the answers. In this episode you will learn: What a reverse mortgage actually is, and how it differs from the stereotypes How to tell whether a reverse mortgage fits your retirement picture How to choose among the different types

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  Episode #253

  Episode 253: Financial Planning for Childless Couples with Bri Conn

  Jul 24, 202645 min

  A lot of financial advice assumes you're building wealth to pass on to your kids. But what if that's not your path? About 25% of Americans are childless by choice or circumstance, and the financial system largely wasn't built for them. That's why in this episode of the podcast I talk with Certified Financial Planner Bri Conn about what the financial landscape actually looks like for childless couples, and why it requires a different approach. In this episode you will learn: Why traditional financial planning falls short for childless couples and how to fix it What the financial landscape actually look like for childless couples What FILE (Financial Independence, Live Early) is and how it differs from FIRE (Financial Independence, Retire Early) Why estate planning for childless individuals goes beyond a will, and what a Care Plan covers The most common mistakes/missed opportunities childless couples walk away with In speaking to a financial planner.

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