Ready For Retirement

Ready For Retirement is the podcast dedicated to helping you learn the tips and strategies that will help you achieve your retirement goals. When it comes to retirement planning, it can quickly become overwhelming and easy to not take action. I designed this podcast because I want you to have the knowledge and confidence to create your secure retirement. My ultimate goal for all of my clients (and listeners) is to create peace of mind and that starts with having a strategy. I want you to spend more time thinking about what matters most to you in retirement. I post weekly episodes to keep you up-to-date on all the best tips and strategies to create a retirement that excites you. Everything from investing tips, tax planning, withdrawal strategies, insurance planning, Social Security, and that's just the start! Let's help you maximize your return on life. We use your money and the strategies I share in this podcast to do just that!

Ready For Retirement is a business podcast hosted by James Conole, CFP®, with 387 episodes on record and a Required Pod Score of 80.

James Conole, CFP® hosts Ready For Retirement, a business show with 387 episodes published.

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  Ready For Retirement

  Think Twice Before You Retire at 65

  Oct 3, 202612 min

  Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/4f7f57 ======================= A couple came to me. Both 60. $2.5 million saved. Everything on paper said they were ready to stop working. They kept going anyway. One of them was doing it out of guilt. The other was doing it for a health insurance card. Neither reason had anything to do with the actual math, and once we ran it, the answer surprised both of them. This video is that math, the two questions it actually comes down to, and why getting this wrong costs you more than money. We're going to cover: - the real reason a couple with $2.5 million saved were still grinding away at 60 - why waiting could turn that $2.5 million into $4 million, and why that's exactly the trap - the two questions that actually decide if continuing to work is a mistake, not the ones everyone assumes - a client's story about the trips she and her husband never got to take, and why it still stays with me - why I still won't retire even once I don't need the paycheck anymore -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial. Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!

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  Ready For Retirement

  Don't Let Early Retirement Backfire (9 Things You NEED To Know)

  Sep 26, 202622 min

  Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/a8aca2 ======================= The problem is, most retirement advice out there isn't built for people retiring early. Most people don't even realize how different it is. These are the 9 things you need to know before you retire early, broken into what's different, what gets riskier, and what actually works in your favor. We're going to cover: - the 401(k) rule that lets you pull money penalty-free at 55, and the one mistake that disqualifies most people from using it - why the exact same withdrawal rule everyone quotes can leave an early retiree completely out of luck - the spending gap that barely matters at 65 but can derail everything if you retire at 48 - the one thing almost nobody gets right about how aggressive your portfolio should actually be - the tax strategy window that's nearly impossible to use at 67, but wide open if you retire at 47 - why the real prize of early retirement was never actually the money -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial. Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!

  ListenShow Notes
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  Ready For Retirement

  My Honest Advice To Anyone Retiring With $2 Million

  Sep 19, 202620 min

  If you've got $2 million or more saved, you probably think you already know how retirement goes. No more stress, finally enjoying life, doing whatever you want. That's not how it goes. Not because of the money. Because of what happens to your judgment, your spending, and your mental health once the paycheck actually stops, and almost nobody warns you about it in time. This is everything I tell my clients before they retire, including the story of a widow that still sits with me years later. We're going to cover: - the client whose husband died before they got to take the trip they'd planned their whole retirement around, and why I still think about it - why hitting $2 million, or any number, won't give you the feeling you think it's going to give you - the four phases every retiree goes through, and the one that quietly wrecks marriages and mental health if you get stuck in it - what happens to your tax bill the moment your spouse passes away, and why almost nobody plans for it in time - the shape your spending actually takes over a 20 or 30 year retirement, and why it's nothing like what you'd assume -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial. Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!

  ListenShow Notes
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  Ready For Retirement

  How I'd Retire in 5 Years Starting With $1M (2026)

  Sep 12, 202615 min

  Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/c8e6cf ======================= If you have a million dollars saved and five years until retirement, this is the last stretch where you can actually change how it turns out. I've sat across from people in your exact position who assumed they were set, then had to cut back once they actually retired. This is the exact process I'd run if that was my situation right now, step by step. This video is that process, five steps, in order. We're going to cover: - the exact dollar amount where your portfolio starts doing more of the work than your paycheck does - a couple with a million dollars today, five years to retire, and a plan that only worked if the market cooperated - what changes about how this couple should be invested if they wait even a few years to collect Social Security - the monthly savings number we had to say out loud that made the original plan fall apart - the two decisions about their house and their zip code that rewrote the whole plan without adding a dollar of income -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial. Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!

  ListenShow Notes
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  Ready For Retirement

  10 Really Good Reasons to File for Social Security at Age 62

  Sep 5, 202617 min

  Two people, same age, same savings, same expenses. One files for Social Security at 62. The other waits until 70. Everyone knows the one who waits gets a bigger check. Almost nobody looks at what's happening to the other person's money while they wait. Here are 10 reasons the person who files at 62 might actually come out ahead, plus one thing that makes this decision far less permanent than you've been told. We're going to cover: - why the break-even calculator everyone gets handed (the one that says wait if you'll live past 81) is technically correct and still gets the real answer wrong - what a 40% market drop does to your withdrawal rate depending on which age you filed at, and why the gap is bigger than most people expect - the version of this decision I'd make differently if my own wife were 10 years older than me - the client who scrapped an "optimized" plan and told me exactly why she was right to - the Social Security benefit that disappears the longer you wait, and has nothing to do with your own check - the one move at 67 that can undo a decision you made at 62 -- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial. Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!

  ListenShow Notes

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