188 episodes
Retiring Today Merkle Retirement Planning
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- Business
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3.6 • 18 Ratings
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Ever wondered about the future of Social Security? Need help creating a plan for Long-Term Care? What happens if you retire during a Recession?
Retiring in today’s world can be complex and complicated. Each week, CERTIFIED FINANCIAL PLANNER™ Loren Merkle and co-host Molly Nelson will tackle trending financial topics and apply them to your retirement. You’ll takeaway the important, need-to-know information about preparing for retirement and what happens after you get there. Retiring Today will give you actionable tips that you can use to reach your retirement goals.
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171. Recap: Will Your Social Security Last? A Benefit Outlook
Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4cLg96d
Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B
Will Social Security go broke? Retiring Today With Loren Merkle Host Molly Nelson recaps predictions of Social Security, including options lawmakers have for changing the rules. Understand this vital source of retirement income with these key takeaways.- The possibility of altering the Social Security benefits formula.- Grasp the expected percentage of benefits people might receive post-2034.- Consider the public's reaction to a possible reduction in Social Security benefits.- Learn what full retirement age means and how it affects your Social Security benefits.- Explore the factors beyond age that impact the decision to elect Social Security benefits.
Molly Nelson, Host of Retiring Today
https://merkleretirementplanning.com/staff-members/molly-nelson/
Chapter
00:00 Yearly COLA adjustments, uncertainty and future concerns.
03:47 Stay informed about Social Security to maximize benefits.
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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. -
171. Recap: Maximizing Your Social Security: Strategies for a Smart Election
Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/4cLg96d
Register for our next Journey to Retirement Online Workshop to learn more about building your income plan and a comprehensive retirement plan. - https://bit.ly/4aeNR1B
Knowing when to elect Social Security can feel overwhelming. With the possibility of 81 different election options for couples, the choice is anything but straightforward. It is more than just deciding between taking benefits at 62 (when you can first elect), at Full Retirement Age (66 or 67 for most people), or at 70 (the age at which your benefit stops growing). Experienced Retirement Planner Loren Merkle explains:
- The impact Social Security decisions have on your retirement, with lifetime benefits reaching up to $500,000 for individuals.
- The difference between taking Social Security early vs. at Full Retirement Age (FRA) and how health and longevity play into this decision.
- Why factors like your investments, and your legacy plan should be considered when making your Social Security election.
Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®
https://merkleretirementplanning.com/staff-members/loren-merkle/
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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.` -
171. When You Should Elect Social Security
Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3xpdWx6
Register for our next Journey to Retirement Online Workshop to learn more about building your income plan and a comprehensive retirement plan. - https://bit.ly/4aeNR1B
In this episode of Retiring Today discuss Social Security and the role it plays in a comprehensive retirement plan. We explore when you should elect Social Security and we help you understand which of the 81 Social Security options is right for you.
Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®
https://merkleretirementplanning.com/staff-members/loren-merkle/
Molly Nelson, Host of Retiring Today
https://merkleretirementplanning.com/staff-members/molly-nelson/
Chapter
00:00 The Importance of Your Social Security Benefit
04:00 Social Security Eligibility Rules
05:35 Your Social Security Break-Even Point
12:00 How Much Health Care Costs in Retirement
19:00 How Find the Right Social Security Options for You
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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. -
170. Recap: How You Can Keep Your Retirement Savings Safe
Learn more about building a retirement plan and take the first step of your retirement journey by booking a Retire Ready Call today: https://bit.ly/4adDED6
In this episode recap, Loren Merkle discusses how you can protect your retirement savings by choosing the right financial advisor who specializes in the financial services that are best suited for your stage in life and by creating a retirement plan that is based on realistic financial assumptions. These tips can help you develop a retirement plan that allows you to achieve the retirement lifestyle that you want for your retirement.
Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®
https://merkleretirementplanning.com/staff-members/loren-merkle/
Chapters
00:00 The Challenges of Retirement
01:18 How to Choose the Right Financial Advisor for You
03:05 Building a Retirement Plan Using Realistic Assumptions
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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. -
170. Recap: Ask Your Advisor These Questions as You Get Closer to Retirement | Episode Recap
Learn more about how you can prepare yourself for retirement by registering for our complimentary Journey to Retirement online workshop: https://merkleretirementplanning.com/workshops/
Imagine a $10 million difference between financial plans. That's right, $10 million. Alarming, right? We recently met with a couple who experienced just that. Hear a recap of their story and find out what questions to ask to ensure you have a comprehensive retirement plan, not just an investment plan.
Molly Nelson, Host of Retiring Today
https://merkleretirementplanning.com/staff-members/molly-nelson/
Chapters:
0:00 The Importance of Choosing The Best Financial Advisor for You
2:10 Questions You Can Ask Your Financial Advisor
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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation. -
170. How You Can Protect Your Nest Egg & Retire With Confidence
Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/43rlPhp
Register for our next Journey to Retirement Online Workshop to learn more about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B
Retirement is one of the most important decisions that you will make and there is a lot of conflicting retirement information that you may hear. In this episode of Retiring Today, we talk about what you can do to protect your nest egg, grow your retirement investments, and live comfortably in retirement.
Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/
Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA® https://merkleretirementplanning.com/staff-members/chawn-honkomp/
Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/
Chapter
00:00 Introduction
00:40 Understanding How to Achieve Retirement Goals
01:40 Be Cautious of Mixed Messaging Around Retirement
02:52 How to Create a Realistic Retirement Investment Plan
07:05 Use the Right Assumptions When Building a Retirement Plan
07:47 Not All Financial Advisors Do The Same Thing
11:50 Can I Still Elect My Social Security Survivorship Benefit If I Remarry?
18:35 Questions You Can Ask Your Advisor to Know if Your Retirement Plan Is Realistic
22:50 What is a Realistic Rate of Return for Your Investments
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This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.
Customer Reviews
Losing Ground
Good info for a while, lately sounding like a sales pitch for the firm. Over-monitized; spend the show forwarding through ads.
Scaremongers
Always trying to complicate retirement planning to get new clients. Everything is too hard: asset allocation, when to take ss, income in retirement. Also disingenuous to say the 4% rule won’t work if markets are bad early in retirement. That’s exactly what the 4% rule does say: in the worst conditions in the past a 4% withdrawal will not outlast your money.