Financial Planning

Retirement Expenses: The Floor & Ceiling

https://youtu.be/2va-ji6Qttk Summary In this conversation, Mark Struthers discusses various models for managing expenses and withdrawals in retirement. He emphasizes the importance of understanding retirement expenses, particularly healthcare costs, and presents different strategies such as inflation adjustment, retirement spending smile, guardrails, and floor and ceiling models. Each model has its advantages and is tailored to help …

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Maximizing Retirement: The Role of Guardrails

https://youtu.be/pg17W9cJKi4 Summary In this conversation, Mark Struthers discusses retirement guardrails, strategies designed to help retirees manage their withdrawal rates and spending to maximize their portfolio longevity and enjoyment during retirement. He emphasizes the importance of adjusting withdrawal rates based on market performance and the potential benefits of starting with a higher spending rate. The discussion …

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Expenses In Retirement: Retirement Stages

https://youtu.be/DMF5zRSJrmk Summary In this conversation, Mark Struthers discusses the often-overlooked topic of retirement expenses, emphasizing the importance of understanding spending patterns before and during retirement. He introduces two primary models for predicting retirement spending: the Retirement Spending Smile and the Retirement Spending Stages. Struthers explains how inflation affects retirement budgets and the necessity of planning …

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Social Security & Taxes – Changes 2025

Social Security and Taxes: Changes for 2025   Social security benefits are linked to inflation, and with inflation largely under control, the large cost-of-living (COLA) increases of the last several years are now a thing of the past. This year’s increase was much smaller, and there are several other changes retirees need to think about …

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What do the top 1% of 50-somethings have saved for retirement?

https://youtu.be/sOfat-dEN4o Summary In this episode of Healthy and Wealthy Retirement, Mark Struthers discusses the importance of a holistic approach to retirement planning, emphasizing not just financial aspects but also social, physical, and emotional well-being. He explores the statistics surrounding retirement savings, particularly focusing on the top 1% of savers, and highlights the need for careful …

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Is an Indexed Universal Life (IUL) Right For Your Retirement?

https://youtu.be/EKBcbjRyFKYsummary In this conversation, Mark Struthers discusses the intricacies of permanent insurance, particularly focusing on its pros and cons, how it fits into financial planning, and the importance of making informed decisions. He emphasizes the need to understand what one is insuring, the potential benefits of tax-free death benefits, and the trade-offs between insurance and …

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Navigating Mortgage Rates in Retirement Planning. Why Did Rates Go Up After The Fed Lowered Rates?

https://youtu.be/4KUzhoPKWQk Mark in Bloomberg Wealth talking Mortgage Rates: https://www.bloomberg.com/news/newsletters/2024-11-07/how-to-invest-after-trump-win-and-federal-reserve-rate-cut Summary In this conversation, Mark Struthers discusses the current state of mortgage rates, their relationship with treasury rates, and the impact of political events on the economy. He emphasizes the importance of understanding inflation and fixed-income strategies for retirement planning, especially in the context of rising …

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Failure To Launch: Your Retirement Could Suffer (why is my 20-something still in the basement?)

https://youtu.be/HG-CAnjcTB0 Summary In this conversation, Mark Struthers discusses the phenomenon of ‘failure to launch’ among young adults, highlighting the financial burden on parents and the essential skills that young adults need to develop for independence. He emphasizes the importance of teaching financial literacy, planning for the future, and encouraging a sense of purpose in young …

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HSAs (Health Savings Accounts) a Powerful Planning Tool

Health Savings Accounts Just Got More Powerful     Healthcare is one of the biggest expenses in retirement. Medicare doesn’t cover everything, and healthcare costs tend to increase over time. Health Savings Accounts (HSAs) were created to help people put aside money for the expense of healthcare in retirement – and thanks to inflation, they …

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