Episode Archive
56 episodes of Smart Retirement since the first episode, which aired on August 16th, 2019.
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Episode 39: A Christmas Special – The Christmas Price Index, and what’s the Deal with the Dow?
December 22nd, 2020 | Season 2 | 36 mins 58 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt embarrass themselves with their reading of the 12 Days of Christmas Price Index—it’s a ridiculous way to share some cheer. Also, they make it a point to address the real reasons why the Dow Jones has recovered from it’s low of 18,519, in late March, to over 30,000 today at Christmas. And of course, they “pepper in” their personal opinions of the 2021 forecasts for the Markets.
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Episode 38: Don’t let a Self-Directed IRA scare you
December 8th, 2020 | Season 2 | 38 mins 38 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt touch on the concept of increasing your Investment options through a Self-Directed IRA. The guys help you understand the DO’s & Don’t of properly setting up a Self-Directed IRA. Also, Mike goes over some of the classic Myths about this style of Investment strategy. Remember just because your are in control of this IRA doesn’t mean you can make-up your own rules. The key is to plan & play smart and this tool could really help you earn more interest while you seek out things that you are more interested in.
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Episode 37: Pass the Estate Plans, with a side of Gravy – Happy Thanksgiving!
November 24th, 2020 | Season 2 | 35 mins 57 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt touch on why this time of year is a great opportunity to focus on the items that you need to be organized in your Estate Plan with your immediate Family; but, also your Parents or Grandparent’s plans as well. Matt goes over the basic necessities of what you really should have completed, notarized, and in order so that is the unthinkable illness, or worse death, happens in the Family you are ready to comfortably take action. Then, Mike touches on the proper way to utilize a Hard Money loan to help a Family Trust execute a cash out mortgage on a Real Estate asset in the Trust so that the beneficiaries can all receive their net proceeds, while the other sibling that keeps the Property benefits from the original tax basis that Mom & Dad held on the home.
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Episode 36: Why isn’t anybody talking about the GDP? An election debrief
November 10th, 2020 | Season 2 | 29 mins 4 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt touch on the historical performance of the U.S. Economy in Q3, and why Q4 will likely not be anywhere as good. Additionally, the guys debrief on the Presidential Election and the challenges that the Country faces with the end-of-the-Year discontinuance of the enhanced unemployment, mortgage relief, eviction bans and student loan forbearances. As smart retirees, we should be preparing for “WHO” is going to help repay the Government for the initial stimulus, and the one to come in 2021.
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Episode 35: The 7 Risks You'll Face in Retirement - Part 4 (Interest Rate & Market Risk)
October 27th, 2020 | Season 2 | 30 mins 35 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt touch on the final part of the series that focuses on the 7 retirement income risks. With the type of year we’ve had in 2020, the guys thought it would be best to save Interest Rate & Market risk for the last part of this Series. They go into details as to why having a “risk free” holding like a Certificate of Deposit or Money market account can cause interest rate risk relative to the inflation rate during the time you hold that investment. Additionally, later in the show Matt helps listeners understand how Market risk is the second highest retirement income risk (likely Withdrawal risk is #1). The guys discuss the details of why when Americans retire and stop contributing to and start withdrawing from retirement accounts, they become much more susceptible to market risks; especially in a Bear Market.
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Episode 34: The 7 Risks You’ll face in Retirement – Part 3 (Sequence of Return & Investor Behavioral Risk)
October 13th, 2020 | Season 2 | 40 mins 8 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode, Mike and Matt continue with Part 3 of their 4 part series that discusses managing the seven risks to retirement income. This episode covers the concept of “Sequence of Returns” risk and “Investor Behavioral” risk. Matt tells the story of how 2 separate families that both have $500,000 in their retirement accounts execute the same investment strategies, but run-out-of-money at two very different times because of what the Market was doing at the time they decided actually start drawing against their retirement accounts . The guys make sure that you know that there’s no way to absolutely remove the risk of Sequence of Returns, but there are SMART ways to have various income options during retirement so that you maximize your control of this risk. Additionally, Mike shows that the best way to combat behavioral risk in retirement is by not deviating from your fundamental strategy in retirement, and breathe. As usual, Mike reminds listeners that your Real Estate is a tool, if used properly, that will help you “stay the course” as you properly leverage this asset when the timing is right during retirement.
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Episode 33: The 7 Risks You'll Face in Retirement - Part 2 (Longevity & Withdrawal Rate Risk)
September 29th, 2020 | Season 2 | 40 mins 43 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt continue their 4 part series about managing the seven risks you'll face in retirement. This episode touches on the concept of out living your money, and how to manage what is known as “Longevity risk” and “Withdrawal Rate Risk”. Matt goes into some of the key details he shares in his Retirement survival workshops. Additionally, Mike supplements some helpful Real Estate equity tips on how to allow the equity in your home to extend the access to income you will have in retirement, and why sometimes a Reverse mortgage and Home Equity Line of Credit can provide you with some “lifestyle comforts” as you fear out living your “nest egg”.
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Episode 32: The 7 Risks You'll Face in Retirement - Part 1 (Inflation Risk)
September 15th, 2020 | Season 2 | 41 mins 18 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
Mike & Matt are excited to kick off part 1 of a 4 part show series covering The 7 Risks You'll Face in Retirement. Today we are isolating Inflation risk, and the varying views of where inflation is today. Additionally, we’ll touch on the interesting concept of “Asset inflation”, and why you will want to focus on how inflation will affect your personal expenses, and financing decisions in Retirement. Finally, we give you some tips on how to capitalize on these ideas and perspectives in a year like 2020!
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Episode 31: How Will This Election Year Affect my Retirement?
September 1st, 2020 | Season 2 | 30 mins 44 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt touch on the fear and potential volatility that the U.S. economy could have regardless of which Presidential candidate wins in November. Our purpose on this show is to keep you thinking about your financial plan, while not letting the media or the fear of a certain President’s agenda scare you into doing something rash or hastily with your Retirement assets. We will also touch on a couple of ideas you can start implementing now as we approach the 2020 Presidential Election period. It’s important to know that neither of us pick a side, but we do think the best political voice once can have is to go to the ballot and vote!
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Episode 30: Ways to create an Equity Partner with your Real Estate
August 18th, 2020 | Season 2 | 44 mins 50 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt interview Michael Lyon, Partnership Manager with Point Digital Finance. Point Digital Finance provides a Home Equity Investment financing solution that allows both Homeowners and Real Estate Investors 30 year financing options with no monthly payments. This is nothing like a Reverse Mortgage, and is a very interesting alternative in Real Estate finance. You are going to want to listen to how Point approaches their formal partnership with you as a Real Estate owner, and how their vision is to see their partnerships help homeowners turn equity into cash that satisfies a short or long term need. Let us know what you think of the Show by emailing us at [email protected], or by dialing 866-53-RETIRE
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Episode 29: Ways to have a more flexible College Savings plan - "Giving them the Gift of No Student Loans!"
August 4th, 2020 | Season 2 | 41 mins 32 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt touch on the all the ways we can help our children, or our children’s children, save and prepare for the ever increasing cost of a College education. Matt touches on various types of College Savings plans (I bet you don’t know all of them), and he even presents a handy way that he helps clients design a more robust College Savings plan with Life insurance. Also, Mike walks us through the savvy ways to have your kids be the Landlord while they are in College…listen to some of the success cases he’s had in his College town, of San Luis Obispo, CA.
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Episode 28: What’s better than Cash? Cash and a Death Benefit!
July 21st, 2020 | Season 2 | 53 mins 2 secs
finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement
In this episode Mike and Matt touch on yet another smart retirement “tool to have in your bag”! Learn from listening to their esteemed special guest, Chris Foley, from Core Income Advisors, on why having a portion of your retirement portfolio held in a permanent life insurance policy might make a lot of sense. We get into the all of the investment advantages and tax-free advantages the policy provides as you navigate through retirement; while ultimately, setting up to pay your heirs a non-taxable lump sum upon your death.