Episode 44: The Value of Preventing Health Care Costs in Retirement - Part 1

March 2nd, 2021  |  Season 3  |  47 mins 24 secs

finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

In this episode Mike and Matt begin this two part series with the guest appearance of Dr. Ken Ota from his very own O Longevity & Wellness Clinic in Scottsdale, AZ. The guys had him on the show to touch on the true benefits of preventative health care and medicine, as it pertains to those in their mid-life, or approaching retirement age. Also, the 3 of them discuss the philosophy of focus on one’s physical and mental health, in an effort to help listeners refocus on the way they approach their own personal health care. Ultimately, this episode is to promote the true long term value in being healthy so that you can “reap what you have sown” in retirement and enjoy longevity. The second part of this Series will be more financially focused, as the guys discuss the many resources and tools that Matt advises his clients to utilize when paying for Health Care, so please tune-in to that as well.

Episode 43: A Quick Check in After President’s Day

February 17th, 2021  |  Season 3  |  22 mins 24 secs

finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

In this episode Mike and Matt just do a quick “check-in” with listeners following the President’s Day weekend. Mike speaks briefly about the status of the 10-Year U.S. Treasury Note and the importance of this index being above 1.20% currently, and how that has an effect on the mortgage rate markets. While Matt spends a few minutes on setting us up for our March 2-part series that will help listeners prepare for various ways to protect themselves from Health Care risks and expenses in Retirement.

Episode 42: "What Does a Biden Victory Mean for my Retirement?"

February 2nd, 2021  |  Season 3  |  39 mins 28 secs

finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

In this episode Mike and Matt touch discuss a “White Paper” that Matt Hollander sent out to his clients titled “What does a Biden Victory Mean for Me?” The guys touch on the fact that Political Parties don’t have a direct correlation to the Securities market but the changing of Parties has historically shown volatility in the Markets. Furthermore, the guys touch on some other interesting insights on what Tax proposals are at the top-of-Biden’s list for America, and how to prepare for what the Biden Administration’s focus is over the next 4 years. Additionally, if you’d like to receive this article, please email us at [[email protected]]([email protected]) or give us a call at (866) 53-RETIRE.

We are very proud to announce that we are now recording our Podcast as both a Video & Podcast! You can listen and watch now at the same time!!! Here’s the link to our YouTube channel – Smart Retirement Podcast.

Episode 41: Qualifying for a Mortgage with Little to No Income

January 19th, 2021  |  Season 3  |  34 mins 18 secs

finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

In this episode Mike and Matt kick off the show with the current status of the Gold & Silver Market, as well as what to watch for as the 10 year Treasury Note makes a come back from its drastic decline in 2020. Also, Mike spends a good portion of the Show focusing on the SMART ways to provide Lenders with proof that you can repay a Conventional mortgage without showing much, if any, income. Mike elaborates on the 3 different ways he helps Retirees that have limited traditional income still qualify for a mortgage whether the loan is for the purpose of a refinance or a purchase of Real Estate. The tips that he provides can help you finance a Primary residence, 2nd Home or even an Investment property so this may be just what you’re looking for to help you finance your next deal.

Episode 40: Things to expect from the Real Estate Market in 2021

January 5th, 2021  |  Season 3  |  38 mins 38 secs

finance, finances, money, mortgage, personal, retire, retirement, reverse, smart, smartretirement

In this episode Mike and Matt touch on the forecasts for the U.S. Real Estate market in 2021. The guys discuss points brought up in a 2021 Redfin Real Estate article, as Mike gives his “2 cents” on what happened in many transactions in 2020, as well as what listeners can expect when buying Real Estate in 2021. Matt provides some good insight on his local Market in Phoenix/Scottsdale, AZ region and why Zillow thinks there could very will be double-digit price increases in 2021.

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.

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.

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.

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.

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.

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.

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”.