The Retirement Roadmap Podcast

Emotions and Retirement Planning Part 2

 
This week we continue our conversation around emotions and retirement planning. Implementing and maintaining a successful retirement plan can be put in danger when emotions get in the way. Join us for Part 2 of our discussion and take some time to reflect on the critical role that emotions can play as you travel along your 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.
 

Emotions and Retirement Planning Part 1

  
What role are your emotions playing in your retirement plan? It's critical to understand your emotions and how they can effect your retirement planning. Over the next two weeks we are taking some time to review the ways that emotions can get in the way of making sound financial plans. Take a few minutes to listen in and determine whether or not you sometimes let your emotions take you off the course of your 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.

Retirement Satisfaction

 
How do you achieve “Retirement Satisfaction”? This is a question that many retirees and pre-retirees often ask. It's not uncommon for people to struggle with the ability to find satisfaction in retirement. Satisfaction means different things to different people and this week we spend some time discussing ways to possibly enhance “Retirement Satisfaction”. Listen in on our conversation and reflect on your own “Retirement Satisfaction”.
 
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.

Your Financial Dashboard

 
 
Your car has “indicator” or “warning” lights to alert you to potential problems. If your financial life had a dashboard would you have any warning lights telling you to take corrective actions? This week we explore some of the key indicators that could be giving you financial alerts that may need your attention. Join us for a few minutes this week and examine your own “Financial Dashboard”.
 
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.

Retirement Fundamentals

 
Understanding retirement income and how financial planning is different in retirement than during the working years is critical to having a successful retirement. This week we review some of the fundamentals that are important to understand and to implement when navigating your retirement years. Take a few minutes to review how you are doing with the “Retirement Fundamentals” and your 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.

Tax Planning Basics

 
Taxes can be difficult to understand, especially in the retirement years. Not all income or cash flow is treated the same in the tax code. One example is Social Security. Social Security is not inherently taxable, however depending on the amount of other income and how that income is managed can cause Social Security benefits to become subject to taxation. Take a little time this week to listen in on our conversation and determine whether or not you have effective tax strategies in place or whether it makes sense to get a second opinion.
 
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.
 

Let’s Talk About Market Volatility . . .

 
Is your retirement plan built to stand the test of time? This week we discuss the effects of market volatility and retirement planning. Markets go up and markets go down, and one of the key questions for retirement and the years leading up to retirement is whether or not your plan is designed to anticipate market volatility. Listen in on our conversation and reflect on whether or not your retirement plans are ready for whatever comes next.
 
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.

Can You Put Toothpaste Back In The Tube?

 
There are some retirement decisions that cannot be undone. So this week we discuss some of these irrevocable decisions. Knowledge can be powerful. So make sure to take a little time and listen in as we review some of the critical choices that retirees and pre-retirees may have to face in the retirement years.
 
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.

Procrastination & Financial Planning

 
This week we discuss the dangers of procrastination in financial and retirement planning. We all know that one of the easiest things to do is to put things off until later. We spend a little time discussing some of the things people might procrastinate when dealing with retirement planning and decisions. Take a few minutes to listen and reflect on whether or not you have been procrastinating in your financial life.
 
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.

Financial Red Flags

 
This week we take some time to discuss financial “Red Flags”. These are things that might cause you to either rethink something or to review something in more depth. We explore several of these “Red Flags” by asking questions and exploring details. Take a little time to listen in on our conversation, you might discover a few things that deserve more of your attention.
 
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.