The Retirement Roadmap Podcast

Unpredictability . . . How Comfortable Are You With The Unknown?

 
Life is often unpredictable, so we need to plan for “Unpredictability”. In this week’s podcast we discuss some of the unpredictable things that could impact your financial life! As you listen in on our conversation, take some time to consider whether or not your current plan can be sustained when “Unpredictability” shows up in your life. As always, we are here to help you navigate your retirement years. Feel free to give us a call and schedule some time, you’ll be glad you did!
 
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.

Landmark Birthdays & Retirement Planning

 
Retirement and retirement planning bring what we would call “Landmark Birthdays” to your financial life. This week we review what these “Landmark Birthdays” are and what they mean in terms of financial and retirement planning. Take a few minutes to make sure you know about these birthdays and what you can do to take advantage of the planning opportunities.
 
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’s Your Legacy Plan?

 
This week we discuss legacy planning. Do you have your affairs in order? Everyone has a legacy plan, the question is whether it’s the plan that you designed or the one that the government has designed. You’ve worked and saved your entire life, so make sure you take steps to design a plan that directs what you want to happen with your life savings. Make sure that what you have goes to the people and causes that are important to you! Take a few minutes and listen in on our conversation to make sure you are dotting your i’s and crossing your t’s.

What About The Tax Consequences?

 
This week we discuss taxes. Have you ever met anyone who wanted to send extra tax dollars to Uncle Sam? The unfortunate truth is that all too often the uninformed send hundreds or even thousands of extra dollars to Uncle Sam. This happens due to a lack of understand of tax strategies that can legally and ethically reduce the amount of tax dollars that are sent to Washington every year. Take a few minutes to listen in on our conversation; you'll be glad you did!
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.

Is Your Advisor Working For You?

 
Is your advisor a true fiduciary? This week we discuss what it means to have a fiduciary advisor working for you vs. working with someone who is a “captive” advisor that is employed by a publicly traded company - required to “maximize shareholder value”. Listen in on our conversation to understand the difference between the “Fiduciary Standard” vs. the “Suitability Standard”.
 
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.

Common Retirement Planning Questions

This week we take some time to discuss some of the common questions that come up when thinking about retirement planning. Beware of some of the “common answers”. All too often people look for a quick and easy answer to their questions, but rarely do quick “one size fits all” answers serve your best interest. Listen in on our conversation this week as we address some of the “Common Retirement Planning Questions”.
 
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.

Imagining Your Retirement

What will your retirement be like? This week we discuss some changes that happen in retirement. How will you spend your time? Your lifestyle will change in retirement so you need to make sure you plan and think about your retirement years. There are many changes that come your way – some are financial and some are in the other areas of life. Spend a few minutes with us and listen in on our conversation as you “Imagine Your Retirement”.
 
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.

Movie Villains & Financial Planning

Movie Villains and Financial Planning? Yes! Tune in this week as we relate movie villains to difficulties that can arise in financial planning. There are a number of issues or "villains" that everyone needs to be aware of when making financial and retirement plans. Take a few minutes to remember some of your favorite movies and how you can relate some important financial issues and concepts to the villains you know so well.
 
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 Account Mistakes

This week we discuss "Retirement Account Mistakes". Making contributions to your retirement accounts vs. taking distributions are obviously quite different and unfortunately, if not handled correctly, IRA's and other retirement accounts have a number of things that can go wrong. Take a few minutes to listen and take note of some of the things to be aware of when it comes to managing your retirement accounts.
 
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.

Things Your Advisor Should Be Doing

Is your advisor helping you with all the things that will impact your financial life? This week we discuss the areas of your financial life that are not always addressed by all advisors. Often times some advice can have unintended consequences when your entire financial life is not being considered when decisions are made or advise is given. Join us for a few minutes and determine for yourself whether or not you might have some areas of your financial plan that are not being addressed.
 
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.