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Frederick Saide Dr. Fred

Dr. Saide is a frequent speaker and published newspaper columnist on subjects including Social Security, IRA, 401k’s, Retirement plans, strategic (income) tax planning, estate planning with Retirement assets. He is a successful podcaster MoneyMattersUSA® with Fred Saide and previously hosted a weekly radio program. His expertise has been well sought after, as he has been published in USA Today and Gannett Media. He has authored several e-books and “white apers” on financial and Retirement topics. Additionally, he has been interviewed by many financial publications, TV and cable, and has ghost written for multiple financial websites.

After graduating from Duke University, where Dr. Saide earned his Ph.D., MA, MBA, and his BA from Adelphi University, he went on to earn certificates for studies at Purdue University, The American College of Financial Services, MIT Age Labs, Penn_Wharton.

Recent Content

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A Giant Wave Of Retirees &Raquo; Image 1
A Giant Wave of Retirees

Fred Saide discusses the challenges and changes in Retirement planning, focusing on the impact of Social Security, healthcare, the Secure Act, and inflation. He highlights the strain on Social Securit…

Fred Saide discusses…

Fred Saide discusses the challenges and changes in Retirement planning, focusing on the impact of Social Security, healthcare, the Secure Act, and inflation. He highlights the strain on Social Security and Medicare due to the increasing number of Baby Boomers reaching Retirement age and the system's inability to accommodate this demographic shift. Fred emphasizes the need for a bipartisan commission to address these issues and suggests potential solutions such as tax increases and investing in index funds. He also discusses the elimination of the stretch IRA and the importance of planning for …

Listen · 43:07
All About Annuities &Raquo; Image 1
All About Annuities

In this episode, Fred Saide provides a comprehensive overview of annuities, their relevance in Retirement planning, and the different types of annuities available. He discusses the importance of annui…

In this episode, Fre…

In this episode, Fred Saide provides a comprehensive overview of annuities, their relevance in Retirement planning, and the different types of annuities available. He discusses the importance of annuities in providing guaranteed income and addresses the significance of monitoring annuity purchases. Additionally, he emphasizes the need for comprehensive financial planning and estate analysis. Reach Fred Saide at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Listen · 48:14
Unique Challenges For Women &Raquo; Image 1
Unique Challenges for Women

Fred Saide discusses the challenges and statistics related to Retirement planning, longevity, market volatility, and the unique challenges faced by women in Retirement. He also addresses the importanc…

Fred Saide discusses…

Fred Saide discusses the challenges and statistics related to Retirement planning, longevity, market volatility, and the unique challenges faced by women in Retirement. He also addresses the importance of guaranteed income, annuities, and the need for comprehensive financial planning. The conversation delves into the impact of inflation, pay equity, and caregiving on women's Retirement planning. Additionally, Fred emphasizes the need for social interaction and contingency planning for couples in Retirement. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy …

Listen · 36:10
Expect The Unexpected &Raquo; Image 1
Expect the Unexpected

In this conversation, Fred Saide discusses Retirement surprises and how to navigate them. He emphasizes the importance of understanding Medicare and making informed choices about healthcare coverage. …

In this conversation…

In this conversation, Fred Saide discusses Retirement surprises and how to navigate them. He emphasizes the importance of understanding Medicare and making informed choices about healthcare coverage. Fred also explores options for long-term care and the potential costs associated with it. He highlights the need to plan for inflation, taxes, and longevity in Retirement. Additionally, he discusses the impact of market volatility and the importance of having a comprehensive Retirement income plan. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Listen · 45:04
Economy And Social Security Concerns &Raquo; Image 1
Economy and Social Security Concerns

Fred covers topics such as inflation, government spending, Federal Reserve policies, innovation in the private sector, Social Security and Medicare, and potential solutions for the financial challenge…

Fred covers topics s…

Fred covers topics such as inflation, government spending, Federal Reserve policies, innovation in the private sector, Social Security and Medicare, and potential solutions for the financial challenges facing the country. The conversation covers various topics related to Social Security, taxes, inflation, and government spending. The main themes include concerns about the future of Social Security, the impact of raising taxes, the need for bipartisan solutions, and the consequences of excessive government spending. Reach Fred at 800-935-9767. Money Matters USASee omnystudio.com/listener for…

Listen · 55:45
Retirement Misconceptions &Raquo; Image 1
Retirement Misconceptions

Fred clears up some misconceptions about Retirement including how much you’ll spend, how long your Retirement may be, believing you can live off less, when you’ll retire, and how much your tax bur…

Fred clears up some …

Fred clears up some misconceptions about Retirement including how much you’ll spend, how long your Retirement may be, believing you can live off less, when you’ll retire, and how much your tax burden will be. Reach Fred at 800--935-9767. Money Matters USASee omnystudio.com/listener for privacy information.

Listen · 34:51
The Financial Headlines &Raquo; Image 1
The Financial Headlines

In this conversation, Fred Saide discusses various economic and financial headlines, including the market forecast, inflation concerns, and the impact of longevity on Retirement planning. He shares hi…

In this conversation…

In this conversation, Fred Saide discusses various economic and financial headlines, including the market forecast, inflation concerns, and the impact of longevity on Retirement planning. He shares his thoughts on the market performance, the narrow breadth of the stock market, and the potential risks of inflation and stagflation. Saide also emphasizes the importance of understanding the impact of inflation and longevity on Retirement income and the benefits of working with a financial advisor. The conversation concludes with a discussion on the future of Social Security and Retirement planning…

Listen · 44:25
Late Start Retirement Saving &Raquo; Image 1
Late Start Retirement Saving

In this episode, Fred Saide provides tips for boosting Retirement savings for individuals who may have started late. He discusses catch-up contributions for individuals over 50, the importance of cons…

In this episode, Fre…

In this episode, Fred Saide provides tips for boosting Retirement savings for individuals who may have started late. He discusses catch-up contributions for individuals over 50, the importance of considering risk tolerance when investing, the option of delaying Retirement, and the need to strategically plan for healthcare costs. He also emphasizes the importance of establishing multiple Retirement income sources and the need for periodic rebalancing of investment portfolios. Fred concludes by highlighting the significance of understanding Social Security and the importance of creating a person…

Listen · 37:42
The Retirement Spousal Approach &Raquo; Image 1
The Retirement Spousal Approach

In this episode, Fred Saide discusses the importance of communication and agreement between spouses when it comes to financial planning for Retirement. He emphasizes the need for both spouses to be in…

In this episode, Fre…

In this episode, Fred Saide discusses the importance of communication and agreement between spouses when it comes to financial planning for Retirement. He emphasizes the need for both spouses to be involved in financial discussions and decisions, even if there is a division of labor in managing finances. Fred also highlights the importance of discussing and agreeing on goals, such as charitable giving, travel plans, and spending objectives. He advises couples to work with a financial advisor who can serve as a coordinator and help navigate the complexities of Retirement planning. Fred also dis…

Listen · 45:20
Avoid Those Retirement Mistakes &Raquo; Image 1
Avoid Those Retirement Mistakes

Fred discusses common Retirement mistakes and debunks myths about Retirement planning. The conversation covers topics such as trying to beat the market, the dangers of keeping all your money in cash, …

Fred discusses commo…

Fred discusses common Retirement mistakes and debunks myths about Retirement planning. The conversation covers topics such as trying to beat the market, the dangers of keeping all your money in cash, the importance of diversification, the potential risks of being overly cautious with savings, the benefits of strategic real estate decisions, and the misconceptions about Social Security and Retirement expenses. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Listen · 28:27
Retirement Par “Fore” The Course &Raquo; Image 1
Retirement Par “Fore” the Course

In this episode, Fred Saide discusses lessons from golf that can be applied to Retirement planning. He emphasizes the importance of not taking unnecessary risks with Retirement funds and having a cohe…

In this episode, Fre…

In this episode, Fred Saide discusses lessons from golf that can be applied to Retirement planning. He emphasizes the importance of not taking unnecessary risks with Retirement funds and having a coherent financial Retirement plan. He compares choosing the right club in golf to selecting the right assets and strategies in Retirement planning. Fred also highlights the need for professional help in Retirement planning and the dangers of letting emotions drive financial decisions. He concludes by discussing common hazards in Retirement planning, such as Social Security claiming mistakes and under…

Listen · 37:11
Beware Of Bad Financial Advice &Raquo; Image 1
Beware of Bad Financial Advice

Fred debunks some bad and questionable financial advice that is prevalent with the advent of social media.  He counters with knowledge and experience in the financial industry opinions on the 401(k),…

Fred debunks some ba…

Fred debunks some bad and questionable financial advice that is prevalent with the advent of social media.  He counters with knowledge and experience in the financial industry opinions on the 401(k), debt, following trends, and the F.I.R.E. movement. You can reach Fred by calling 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Listen · 41:45
Today’s Economy: The Challenges &Raquo; Image 1
Today’s Economy: The Challenges

In this conversation, Fred discusses the economic landscape and challenges of Retirement planning. He highlights the impact of inflation, government spending, and deficits on Retirement savings. Fred …

In this conversation…

In this conversation, Fred discusses the economic landscape and challenges of Retirement planning. He highlights the impact of inflation, government spending, and deficits on Retirement savings. Fred emphasizes the importance of budgeting, analyzing spending, and projecting lifetime expenses. He also addresses the role of Social Security, pensions, and the 401(k) in Retirement planning. Reach Fred at 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy information.

Listen · 42:39
Retire Early? &Raquo; Image 1
Retire Early?

In this podcast episode, Fred Saide discusses the idea of early Retirement and the things you need to know before retiring early. He emphasizes the importance of considering time, money, and health in…

In this podcast epis…

In this podcast episode, Fred Saide discusses the idea of early Retirement and the things you need to know before retiring early. He emphasizes the importance of considering time, money, and health in Retirement planning. Fred also highlights the shift in focus from money to time in Retirement and the challenges of adjusting to Retirement. He introduces the concept of the four phases of Retirement and the need to plan and transition into Retirement. Finally, Fred discusses the importance of creating a new identity in Retirement and addresses the financial aspects of Retirement. You can reach …

Listen · 33:27
What About Taxes? &Raquo; Image 1
What About Taxes?

In this episode, Fred Saide discusses taxes in Retirement and provides insights into creating tax efficiency. He explains the taxation of Retirement income sources, including Social Security benefits,…

In this episode, Fre…

In this episode, Fred Saide discusses taxes in Retirement and provides insights into creating tax efficiency. He explains the taxation of Retirement income sources, including Social Security benefits, pensions, interest-bearing accounts, stocks, bonds, mutual funds, and dividends. Fred also highlights the tax treatment of life insurance proceeds and the benefits of Roth IRAs compared to traditional IRAs. The episode concludes with a Stump the Guru question about the 60-day rollover rule and potential waivers.  You can submit your “Stump the Guru” question on www.moneymattersusa.net.  C…

Listen · 41:15
Tax Efficient Maneuvers &Raquo; Image 1
Tax Efficient Maneuvers

In this podcast episode, Fred Saide discusses the importance of tax optimization strategies in Retirement planning. He highlights the limitations of traditional tax planning and emphasizes the benefit…

In this podcast epis…

In this podcast episode, Fred Saide discusses the importance of tax optimization strategies in Retirement planning. He highlights the limitations of traditional tax planning and emphasizes the benefits of Roth contributions and conversions. Fred also explores other tax-efficient planning options, such as qualified charitable distributions and life insurance. He addresses the challenges facing Social Security and Medicare and proposes potential solutions. Fred concludes by urging listeners to proactively plan for their Retirement and seek professional advice. You can reach Fred Saide by callin…

Listen · 47:26
The Housing Market &Raquo; Image 1
The Housing Market

In this conversation, Joe Peters, a residential real estate agent joins Fred Saide. He discusses various aspects of the housing market. He shares his transition from a technology career to real estate…

In this conversation…

In this conversation, Joe Peters, a residential real estate agent joins Fred Saide. He discusses various aspects of the housing market. He shares his transition from a technology career to real estate and highlights his unique approach that incorporates artificial intelligence. Peters also delves into the challenges of affordability in the housing market and the imbalance between housing supply and demand. The discussion touches on the changing trends in housing, including the potential for multi-generational housing. The conversation concludes with a look at the future outlook for the housing…

Listen · 48:31
Correcting Bad Financial Advice &Raquo; Image 1
Correcting Bad Financial Advice

In this episode, Fred Saide discusses the worst Retirement advice you could follow and offers alternative positive strategies. The conversation covers various topics, including the danger of ignoring …

In this episode, Fre…

In this episode, Fred Saide discusses the worst Retirement advice you could follow and offers alternative positive strategies. The conversation covers various topics, including the danger of ignoring taxes in Retirement planning, the myth of spending less in Retirement, the need for Social Security reform, the fallacy of the $1 million Retirement goal, the limitations of diversification, the importance of a written Retirement plan, and the impact of happiness on population growth.  You can reach Fred Saide by calling 800-593-8188. Money Matters USASee omnystudio.com/listener for privacy inf…

Listen · 39:31
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