The Retirement Roadmap Podcast

Quiz Your Advisor

Are you and your advisor on the same page? Does your advisor specialize in serving the needs of those who are either in retirement or soon to be retiring? This week we discuss what to look for and what to ask an advisor you are considering working with or even your current advisor. Join us as we discuss critical facts and information that might help you determine the turns you take on 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.

Reaping Rewards For Financial Sacrifice

 
In today's world of “instant gratification” it's sometimes difficult to make sacrifices for the promise of tomorrow. So this week we tackle the issue of making financial sacrifices that may provide additional opportunities in the future. Sit back and reflect on your decisions to determine whether or not there might be ways to improve the future opportunities for you and your family. Sometimes a little sacrifice can enhance your journey on 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.
 

Opportunities For Improvement

 
Do you have money “falling through the cracks”? Are there subtle changes that you could make that could make a meaningful difference in your financial life? This week we look at some common missed opportunities that could easily be taken advantage of by simply making a few small changes that over time can make a big difference for you and your loved ones. Take a few minutes and listen in on this week's discussion as you travel along 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.
 

Retirement Regrets

Will your retirement decisions be examples of well thought out retirement planning or warning signs for others to learn from? Learning from other peoples mistakes can truly help you avoid “Retirement Regrets”. This week we take some time to discuss and review some common retirement mistakes that all too often turn into “Retirement Regrets”. Tune in for a few minutes and take a lesson from other peoples mistakes. The next 15 minutes might just be a very important stop on 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.

Unasked Financial Questions

 
It could be said that the quality of you life come down to the quality of your decisions and your decisions are often based on the questions you ask. Do you know all the critical questions to ask when it comes to your retirement planning? This week we uncover a number of critical questions that are sometimes unfortunately left out of the decision making process. Join us as we discuss some important questions that are all too often left unasked before making major financial decisions when traveling 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.
 

Changing Financial Advisors

 
When does it make sense to consider changing financial advisors? Does your advisor specialize in the retirement years or are their skills more general in nature? It's critical to remember that the preservation and distribution phases of life are significantly different from the accumulation phase. In other words, retirement income planning and legacy planning are not the same as saving for retirement. Are your planning strategies consistent with where you are in life? Take a few minutes to listen in as we discuss important perspectives for 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.
 

Required Minimum Distributions – “RMD”s

 
What are “RMD”s? Required Minimum Distributions for your Pretax Retirement Accounts are one of the “Trigger Age” facts of life once you reach 70 ½. There are a number of questions surrounding “RMD”s, so this week we take some time to discuss things you need to know about when it comes to Required Minimum Distributions. “RMD”s can be confusing so take a few minutes and listen in on our conversation as we discuss one of the important stops on 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.
 

Taking Care Of Family

 
There is nothing more important than family! How you plan for loved ones and how you plan your legacy is one of the most important parts of your financial plan. All too often folks don't take the essential steps needed to make sure their plans are in place. Are you 100% sure that your spouse, children and grandchildren will be taken care if something happens to you? Join us for a few minutes and listen in on our conversation. This could be one of the most important stops as you travel along 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.

Universal Retirement Truths

 
There are a number of universal truths when it comes to retirement. These are important fundamental building blocks for retirement planning. All retirees and pre-retirees must make plans for many common financial challenges that need to be addressed in the retirement years. Take a few minutes to listen in as we discuss some of the “Universal Retirement Truths”. It might just help you 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.
 

Husbands and Wives

 
Are you on the same page as your spouse when it comes to money and retirement? It's not uncommon for husbands and wives to sometimes think and feel differently about a variety of issues that surround money. Listen in on our conversation for a few minutes as we discuss some of the differences that can come up from time to time for married couples as they try to stay on the same 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.