Retirement 360

With growth in certain sectors of your investments, the allocation could get out of balance between stocks, bonds and other elements. Alan and Troy take a look at keeping everything balanced to help keep things in range, as well as determining tax responsibilities.

When you roll over a 401K into an IRA it is done in cash, and people can lose out on the potential of growth if those funds are not reallocated into new funds or investments. Alan and Troy discuss a recent survey by Vanguard indicating that people need to pay attention to this when they do a rollover so they can make sure that money is continuing to grow to provide a more comfortable nest egg to retire with.

There are a lot of things you can't control in retirement planning - inflation, pandemics, etc. But you can control more than you think, and Alan discusses how putting a plan together can take future events into account, whatever they may be, to make sure money is there when you need it.

Alan and Troy take a look at the results of a recent survey where Americans look at the regrets they have over financial decisions they have made, how they can affect your retirement, and how to work around them. They also revisit the topic of annuities and how they could work in one's retirement plan to help provide guaranteed income.

Troy and Alan revisit planning for large IRAs, which some folks may have built up over years of saving in their company plans.

Troy and Ashley Schneider appear on this show to discuss ways to help make your retirement savings last, taking into account longevity risk, market volatility, inflation and rising taxes, among others.

Alan and Troy open the show by discussing Social Security and the projected cost of living increase for 2025, among other issues. Later they take a look at topics that should be on your retirement planning list, as well as answer listener questions.

Alan and Troy take a look at when it may be time to change your advisor to one focused on retirement planning, especially when it comes to income and distribution rather than just growth.

Alan and Troy revisit one of the most popular government programs for retirement, Social Security. It's more complicated than it appears on the surface, and the guys take you through the most basic aspects of the program and how you can use it to obtain the most benefits for your situation.

Alan and Ashley Rose Schneider discuss the recent market volatility to open the program, and how having a plan can help mitigate the damage caused by sudden downturns such as what happened this past Monday. Later they revisit the topic of planning for the worst but hoping for the best in retirement.

People are building up larger 401K and IRA amounts recently, as much as a million dollars or more, and the tax implications on amounts such as these can end up being a high number. Alan and Troy discuss how planning for such large retirement accounts can be beneficial, especially when it comes to tax planning and keeping more money in your pocket, not the government's.

Alan and Troy look at the upcoming presidential election and react to comments by Jeff Bush of the Washington Insider about taxes and potential tax planning opportunities people can and should take advantage of now before things can change. They also revisit the five aspects of a solid retirement plan.

Independence Day is coming up for the United States, and Alan and Troy look at the best ways you can provide independence for your retirement plan and the lifestyle you wish to enjoy. They also re-visit the subject of retirement for small business owners and what they can do to make sure their own post-working plans can be successful while transitioning their business to a future generation.

Today Troy and Ashley Schneider take a look at the three stages of retirement commonly referred to as the go-go, slow-go and no-go stages, each lasting roughly ten years, and each with its own particular financial needs. Troy and Ashley look at how your money may need to be allocated in each stage as part of an ongoing financial plan.

You test drive cars - why not "test drive" your retirement? Alan and Troy discuss the idea of trying out the lifestyle you have thought about before you actually retire, especially in regards to relocating, getting an RV, or other different routines. Later they discuss the idea of making marginal gains in your retirement investments, and how even small increases can add up big over time.

Alan and Troy cover one of the most polarizing financial instruments available, the annuity. They look at the various kinds, how they work and how they may fit into a retirement plan to provide guaranteed income for either a set period of time, or a lifetime.

Alan and Troy take a look ahead at upcoming potential tax increases, and how retirees can use tax planning to legally lower the amount of taxes you need to pay if that happens. Later they revisit the three stages of retirement, where retirees will do less activity as their retirement goes along and how their nest egg needs to work in each stage.

Today Alan introduces a new sub-advisor, Ashley Rose Schneider, to the show, and she and Alan discuss why it is important to plan for worst case scenarios so family members will know what their plan encompasses in case something catastrophic does occur.

Alan and Troy start the show by looking at the fast increasing U.S. national debt and how tax rates are virtually certain to go up to help try to pay it off. Later they revisit creating a solid legacy plan as part of the Retirement 360 Game Plan.

The show starts with an introduction to Troy Bolton and his background as a financial planner, then Alan joins him to discuss estate and legacy planning and the kinds of things someone needs to know when adding this to their retirement plan.