The Retirement Roadmap Podcast

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.
 

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.