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In Episode 174, Fred Saide discusses the essential considerations for early retirement, including health insurance, budgeting, maximizing retirement accounts, understanding Social Security, and managi…

In Episode 174, Fred…

In Episode 174, Fred Saide discusses the essential considerations for early retirement, including health insurance, budgeting, maximizing retirement accounts, understanding Social Security, and managing debt. He emphasizes the importance of planning and provides actionable strategies to help listeners achieve their retirement goals.  Fred also answers a “Stump the Guru” question about required minimum distributions.  You can get your question in to “stump the guru” at www.moneymattersusa.net.  Click the podcast tab. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.n…

In Episode 173, Fred Saide discusses the financial strategies of millionaires and how listeners can adopt similar practices to improve their financial health. The conversation covers the importance of…

In Episode 173, Fred…

In Episode 173, Fred Saide discusses the financial strategies of millionaires and how listeners can adopt similar practices to improve their financial health. The conversation covers the importance of long-term planning, risk management, and the psychological aspects of Investing. Saide emphasizes the need for a structured approach to budgeting and investment, as well as the value of working with financial professionals. The episode also touches on the significance of optimism and control in financial planning, especially as individuals approach retirement. Reach Fred at 800-593-8188. Money Ma…

In this episode, Fred Saide discusses significant upcoming changes to retirement plans, particularly focusing on the implications of the Secure Act 2.0 and the central role of 401(k) plans. He highlig…

In this episode, Fre…

In this episode, Fred Saide discusses significant upcoming changes to retirement plans, particularly focusing on the implications of the Secure Act 2.0 and the central role of 401(k) plans. He highlights the challenges of an Aging population and economic volatility, the importance of contribution limits, and the future of Roth accounts. The conversation also explores global perspectives on retirement systems and the benefits of QLACs as a financial strategy for retirement income. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  See omnystudio.com/lis…

In Episode 171 of Money Matters USA, Fred Saide discusses essential strategies for wealth preservation, particularly for those in retirement. He emphasizes the importance of having a solid financial p…

In Episode 171 of Mo…

In Episode 171 of Money Matters USA, Fred Saide discusses essential strategies for wealth preservation, particularly for those in retirement. He emphasizes the importance of having a solid financial plan, understanding risk tolerance, budgeting for cash flow, and optimizing taxes. Additionally, he touches on the significance of Legacy planning and ensuring that one's assets are distributed according to their wishes. The conversation provides valuable insights into managing finances effectively to secure a stable retirement and leave a lasting legacy. Reach Fred at 800-593-8188. Money Matters U…

In Episode 170, Fred Saide addresses common concerns of retirees and pre-retirees and shows how to ease them.  Topics discussed included market volatility, Social Security, health care both physical …

In Episode 170, Fred…

In Episode 170, Fred Saide addresses common concerns of retirees and pre-retirees and shows how to ease them.  Topics discussed included market volatility, Social Security, health care both physical and financial, long term care, and inflation. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com  See omnystudio.com/listener for privacy information.

In Episode 169, Fred Saide discusses the critical importance of estate planning for retirees, emphasizing the need for a comprehensive plan to ensure assets are distributed efficiently and according t…

In Episode 169, Fred…

In Episode 169, Fred Saide discusses the critical importance of estate planning for retirees, emphasizing the need for a comprehensive plan to ensure assets are distributed efficiently and according to one's wishes. He highlights the common pitfalls of probate and the necessity of tax-efficient strategies for wealth transfer. Additionally, Fred addresses the significance of long-term care planning and how it can impact legacy assets, urging listeners to take action now to protect their financial future. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy inform…

In Episode 168, Fred Saide discusses the challenges facing Americans in retirement, including the perception of unpreparedness, the complexities of Social Security, and the importance of healthcare pl…

In Episode 168, Fred…

In Episode 168, Fred Saide discusses the challenges facing Americans in retirement, including the perception of unpreparedness, the complexities of Social Security, and the importance of healthcare planning. He emphasizes the need for comprehensive financial strategies to navigate inflation, manage risks, and ensure a secure retirement income. The conversation highlights the significance of understanding retirement goals, the impact of inflation on savings, and the necessity of diversifying assets to mitigate risks. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for p…

In Episode 167 of Money Matters USA, David Esposito, President and CEO of ONL Therapeutics, shares insights from his military background and how it shaped his leadership style. He discusses the dynami…

In Episode 167 of Mo…

In Episode 167 of Money Matters USA, David Esposito, President and CEO of ONL Therapeutics, shares insights from his military background and how it shaped his leadership style. He discusses the dynamics of working in small biotech companies versus large corporations, the challenges of treating retinal diseases, and the importance of AI in early detection. David also delves into the FDA approval process and the innovative approaches ONL Therapeutics is taking to improve patient outcomes. Reach Fred at 800-593-8188. Money Matters USA https://harvesttimepartners.com https://onltherapeutics.comSee…

In episode 166 of Money Matters USA, Fred Saide discusses the various traps retirees face due to hasty decisions made during Retirement Planning. He emphasizes the importance of understanding the chan…

In episode 166 of Mo…

In episode 166 of Money Matters USA, Fred Saide discusses the various traps retirees face due to hasty decisions made during retirement planning. He emphasizes the importance of understanding the changing landscape of retirement, the critical role of Social Security, and the need for effective income strategies, including annuities. The conversation also covers healthcare costs, long-term care planning, the impact of inflation, and the necessity of having a flexible retirement plan that can adapt to changing circumstances. Reach Fred at 800-593-8188. Money Matters USA Concerned about the elect…

Episode 165 features the three-year podcast anniversary.  It actually should have been held on Episode 156 but better late than never.  Fred discusses the current economic uncertainties and provides…

Episode 165 features…

Episode 165 features the three-year podcast anniversary.  It actually should have been held on Episode 156 but better late than never.  Fred discusses the current economic uncertainties and provides actionable steps for listeners to navigate these challenges. He emphasizes the importance of retirement planning strategies, particularly in optimizing Required Minimum Distributions (RMDs) and considering tax implications. The conversation also delves into the political landscape and its potential impact on financial planning, especially regarding estate taxes and charitable giving. As the year …

In Episode 164, Fred discusses the complexities of retirement planning, emphasizing the importance of having a written plan, setting realistic goals, and understanding the implications of investment s…

In Episode 164, Fred…

In Episode 164, Fred discusses the complexities of retirement planning, emphasizing the importance of having a written plan, setting realistic goals, and understanding the implications of investment strategies and taxes.  He highlights the need for professional guidance in navigating these challenges, especially in light of potential political changes and the realities of extended longevity. The conversation also touches on the significance of health and long-term care planning, as well as the necessity of tax diversification. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/li…

On Episode 163, Fred discusses the complexities of retirement planning, emphasizing that it's not just about accumulating wealth but understanding personal goals and needs. He highlights the importanc…

On Episode 163, Fred…

On Episode 163, Fred discusses the complexities of retirement planning, emphasizing that it's not just about accumulating wealth but understanding personal goals and needs. He highlights the importance of working with a Fiduciary, the role of AI in financial planning, and the necessity of creating a comprehensive retirement income plan. The conversation also covers long-term care costs, the challenges facing Social Security, and strategies for tax-efficient withdrawals and income diversification. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

In Episode 162, Fred Saide discusses various financial topics related to retirement planning. He highlights the retirement disconnect, where many Americans are giving up on the ability to retire due t…

In Episode 162, Fred…

In Episode 162, Fred Saide discusses various financial topics related to retirement planning. He highlights the retirement disconnect, where many Americans are giving up on the ability to retire due to financial pressures caused by inflation. He emphasizes the importance of proper planning and the challenges of do-it-yourself retirement planning. Fred also discusses the potential impact of future tax changes on retirement savings and the benefits of Roth conversions. He addresses common financial regrets, the fear of running out of money in retirement, and the misconceptions surrounding Social…

In Episode 161, Fred discusses various aspects of retirement planning covering topics such as divorce, creating a retirement spending plan, maximizing Social Security benefits, withdrawal strategies, …

In Episode 161, Fred…

In Episode 161, Fred discusses various aspects of retirement planning covering topics such as divorce, creating a retirement spending plan, maximizing Social Security benefits, withdrawal strategies, healthcare planning, and finding purpose in retirement. Fred emphasizes the importance of creating a budget, understanding one's financial needs, and optimizing Social Security. He also highlights the significance of tax efficiency, maintaining a healthy Lifestyle, and continuing to learn in retirement. The conversation concludes with a discussion on pursuing happiness and finding fulfillment in r…

In Episode 160, Fred Saide discusses the nine crucial steps to consider for a smooth and fulfilling retirement. The checklist includes topics such as retirement savings, multiple streams of reliable i…

In Episode 160, Fred…

In Episode 160, Fred Saide discusses the nine crucial steps to consider for a smooth and fulfilling retirement. The checklist includes topics such as retirement savings, multiple streams of reliable income, minimizing debt, comprehensive health and long-term care coverage, proper planning for spending and enjoyment, inflation protection, effective estate planning, achieving Financial Independence, and ensuring low Stress and peace of mind in retirement. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

In Episode 159, Fred discusses the impact of presidential elections on the Economy and explores the economic history of past presidents. He touches on topics such as the current job market, the chance…

In Episode 159, Fred…

In Episode 159, Fred discusses the impact of presidential elections on the economy and explores the economic history of past presidents. He touches on topics such as the current job market, the chances of a recession, the role of the Federal Reserve, and the impact of tax policies.  He also discusses issues like healthcare, regulation, immigration, and foreign policy. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

In Episode 158, Fred Saide points out that retirement planning is like piecing together a complex puzzle, with each piece being crucial for a secure future. One approach to retirement planning is goal…

In Episode 158, Fred…

In Episode 158, Fred Saide points out that retirement planning is like piecing together a complex puzzle, with each piece being crucial for a secure future. One approach to retirement planning is goals-based retirement planning, where the focus is on creating and achieving realistic goals before discussing income and money. Maximizing social security and identifying other sources of income, such as pensions, annuities, and investments, is important. Savings should be balanced with liquidity, and budgeting and expense management are essential. Health care and long-term care should also be consi…

In Episode 157, Fred Saide discusses the importance of estate planning and the mistakes to avoid. He emphasizes the need for a comprehensive estate plan to ensure that your assets are distributed acco…

In Episode 157, Fred…

In Episode 157, Fred Saide discusses the importance of estate planning and the mistakes to avoid. He emphasizes the need for a comprehensive estate plan to ensure that your assets are distributed according to your wishes. Fred highlights the importance of updating your estate plan regularly, especially after major life events. He also discusses the tax considerations in estate planning and the need for professional assistance. Fred provides valuable insights into funding trusts, addressing digital assets, and having open conversations about your estate plan with relevant parties. Reach Fred at…