The Retirement Roadmap Podcast

What is your desire to retire? Do you have an age in mind? Do you have a specific dollar amount that you want to have saved before you retire? On this week's podcast we delve into a number of questions that may be on your mind or that you might need to know the answer to before you make the big decision. Sit back and listen in on this week's conversation as we explore the questions and the possibilities. Give us a call to schedule some time with Glenn if you'd like to discuss your plans and remember to share the podcast with friends, family and colleagues.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

We've all been taught that making decisions based on facts and logic tends to work best, however human beings do have emotions. So this week we take some time to discuss balancing emotions and logic. As you listen in on the conversation, reflect on your own situation - you might just find a few insights that help you on your journey along the Retirement Roadmap. We're here to help so reach out to us and remember to share the podcast with your family, friends and colleagues.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

If what you thought to be true turned out not to be true, when would you want to know about it? Listen in on this week's podcast as we spend some time discussing some “common financial myths” to be aware of and to guard against. Reach out and schedule some time with Glenn to discuss your personal Retirement Roadmap. If you enjoy our podcast remember to share it with your family, friends and colleagues.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

To whom are you listening and is their advise in your best interest? Always be on the look out for “Financial Bias”. It's important to understand that much of what you may hear and read is general information intended for the masses and your situation may well call for something different. As you listen in this week, take note of some of the distinctions that could make a world of difference when making financial decisions as you travel the Retirement Roadmap.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

How do you define debt? It's important to understand what debt is and to evaluate how and when you might pay future obligations early and when you might chose to continue making payments instead of paying off the balance before it's due. On this week's podcast we spend some time discussing different definitions of debt and how to manage debt. Understanding these dynamics can play a role in how long your money lasts and how much access you have to capital when you might need it. Remember to share the podcast and to reach out to us – we're here to help you navigate the Retirement Roadmap.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

It may sound like a strange question to some, but you might be surprised! This week we delve into this question and some of the reasons people may have for not being sure whether to retire or when to retire. As you listen to the podcast this week, you may find yourself reflecting on your own situation – which may cause you to ask yourself some important questions. Share the podcast with your family and colleagues and feel free to reach out. We're here to help you on your journey along the Retirement Roadmap.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

Most advisors would agree that having a readily available emergency fund is important yet knowing how much cash to have on hand might not be as easily determined as you might think. On this week's podcast, we discuss this question and what some of the determining factors might be in answering this question. Take a little time and listen in – you might be a little surprised by what you learn. Remember, we're here to help. So feel free to reach out and schedule some time to review your current plan - you might discover ways to enhance your personal Retirement Roadmap.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

What do you look for in an advisor? Are there certain traits that may be important? On this week's podcast we explore these questions and take some time to discuss different aspects that could be important to evaluate. As you listen, think about your situation and ask yourself if your advisor has the traits and skill sets you need to help you navigate the Retirement Roadmap. Let us know how we can help and remember to share The Retirement Roadmap Podcast with colleagues and family.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

If you've been a listener to our podcast for a while, you've probably heard us talk about how everyone's situation is different and we don't believe in "One Size Fits All" solutions. However, there are a number of questions that often come up when talking about retirement planning – you might call these “Frequently Asked Questions” or FAQs. This week we take some time and discuss a number of these questions. As you listen in, you may discover a few new insights or ways of thinking about things. Let us know how we can help you on your journey along the Retirement Roadmap and remember to share The Retirement Roadmap Podcast with colleagues and family.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.

President Trump signed The Secure Act into law at the end of 2019. This is a VERY IMPORTANT DEVELOPEMENT WHEN IT COMES TO RETIREMENT AND ESTATE PLANNING! This week we delve into the details of this new law and the potential implications to your retirement and how it may affect taxation on what you might leave to your heirs. As you listen in on this week's podcast you can begin to evaluate how the Secure Act may impact your particular circumstances. Feel free to schedule a complimentary strategy session regarding the implications of the Secure Act or any other planning questions you may have regarding your retirement and always remember to share The Roadmap Podcast with colleagues and family.
 
Investment advisory services offered through Horter Investment Management, LLC, a SEC-Registered Investment Adviser. Horter Investment Management does not provide legal or tax advice. Investment Adviser Representatives of Horter Investment Management may only conduct business with residents of the states and jurisdictions in which they are properly registered or exempt from registration requirements. Insurance and annuity products are sold separately through Roadmap Financial Consulting, LLC. Securities transactions for Horter Investment Management clients are placed through AXOS Advisor Services, TD Ameritrade, and Nationwide Advisory Solutions.