Ready, Set, Retire!

It’s tax time again and we’re all looking for ways to save.  One way of doing that is by contributing to a Roth IRA.  But what if you earn too much to do that? Steve talks about if there other ways you could show people how to potentially reduce their tax liability?See omnystudio.com/listener for privacy information.

Steve discusses his 4 bucket strategy and how it can help you not only replace your paycheck when you stop working but give you that added peace of mind with lifetime income. See omnystudio.com/listener for privacy information.

When it comes to claiming Social Security, The Motley Fool says there are certain mistakes that couples tend to make.  Steve discusses some common mistakes that could cost you big time! See omnystudio.com/listener for privacy information.

A question from The Motley Fool: “Should the average retirement saver buy an annuity?”  Their answer?  “It depends.”  Not very helpful, right?  So, what does it depend on? See omnystudio.com/listener for privacy information.

A new year brings the threat of new problems – created by Congress.  Morningstar asked IRA expert Ed Slott if we need to be worried about a tax increase.  His answer?   Follow the numbers! Hear Steve's approach to a tax free retirement and you can   protect your retirement accounts from Congress! See omnystudio.com/listener for privacy information.

When you retire does the need for the paycheck end? No. Then how do you create that paycheck? Will I run out of money? Did I do enough? These are all very common questions. The good news is, Cape Cod's Retirement Income Specialist, Steve Anzuoni has the answers! What if you never had to worry about income ever again? You always knew the money was going to be there?  Find out how Steve can make this happen for you today! Call Steve Now! See omnystudio.com/listener for privacy information.

There are so many decisions to make when you decide to retire; when do I take my social security? What do I do with my 401k? What about my pension?  Plus, did you know that Steve has tools and strategies where you can be invested in the market BUT, you are protected when the market goes down? (Yes, you read that right.) The overall goal is to accumulate savings and then when you retire,  turn it into income that you can’t outlive.  Steve Anzuoni, Cape Cod’s retirement income specialist, has over 30 years of experience and he can help you cross the retirement finish line with flying colors!    See omnystudio.com/listener for privacy information.

You know the old saying, "If it ain't broke, don't fix it?" Well, there are some things that can stand the test of time. But, then there are things that need to be re-evaluated as time goes on. On todays episode, Steve discusses some common retirement planning beliefs that don't hold up so well in todays world!  My Expected Lifespan Is 75-85 Years.  Yes, the average life expectancy is in this range, but that’s irrelevant to any one person.  Half the people will live longer than the median, and you’ll hope to be part of that group.  The chances of you dying at an “average” age are slim. I’ll be in a lower tax bracket when I retire.  We have a serious debt and spending problem, so the odds are good that tax brackets will be rising instead of falling.  Also, remember that the tax-deductible money you socked away in your 401(k) will become fully taxable during retirement. My overall expenses will be lower in retirement.  Some expenses may be lower, but others will be the same or even higher during retirement.  F

Regardless of how you feel about the election results, there’s a good chance your tax rates will be going up in 2021.  But IRA expert Ed Slott tells Yahoo Finance it’s up to you to decide by how much. I think we’d all like to “take control” of our tax rate – but how is that possible?  Then, Market Watch says three-fourths of all investors manage their own finances.  But when you narrow it down to just the “wealthy” investors, two-thirds of them use a financial advisor.  So, the question is … do the wealthy use an advisor because they’re wealthy, or did the advisor help them become wealthy? See omnystudio.com/listener for privacy information.

Sometimes, we talk about the “myths” of retirement.  And Forbes says one of the most common ones is that we’ll be in a lower tax bracket, when we quit working.  That certainly seems to make sense – why would it not be true?  Then, how much weight do you put on your financial decisions based on who is in the White House? How will this upcoming election impact you, your money and your retirement?   Interested in income for life? Then contact Steve today for a complimentary Portfolio Analysis to make sure YOU'RE on track with your retirement income planning! See omnystudio.com/listener for privacy information.

To make sure your body is healthy, you go to the doctor for regular physicals.  And to make sure your car is healthy, you go to a mechanic for regular maintenance.  But what are you doing to keep your pocketbook healthy?  How long has it been since you had a financial check-up?  How long since you sat down with a financial advisor for a retirement review?  Staying financially fit is one of the keys to building a successful retirement! See omnystudio.com/listener for privacy information.

Every so often, the government puts banks through a “stress test” to make sure they can make it through severe economic downturns.  An article in Forbes says we should do the same thing with our retirement portfolio, should we?  Meet with Steve today for your customized stress test for YOUR portfolio! CLICK HERE TO SCHEDULE !See omnystudio.com/listener for privacy information.

We’re all asking the same questions these days:  The first one is, “Who will be our next president – Trump or Biden?” And the second one is, “How will that affect me?”  But does our retirement future really depend on what happens in November, or is it more about the preparations that we’re either making – or not making? Hear how Steve can help you & your financial plan be prepared for no matter who is in the White House OR what happens to the market - Call Steve today! See omnystudio.com/listener for privacy information.

Did you know there is such a thing as lifetime income that you can't outlive? And, when it comes to putting your income together, do you need one big pile of money or different buckets of money?  Hear Steve explain his process, and how he can help you design an income plan to get you TO and THROUGH retirement!  Want to see what Steve can do for you? Call him today !See omnystudio.com/listener for privacy information.

Meet Steve Anzuoni, Cape Cod’s very own Retirement Income Specialists! You’ve worked hard for 40-50 years, now it’s time to take that pile of money and see how long it will last and how much income it will produce. Steve’s rule is simple, DON’T LOSE THE MONEY! Make that transition from accumulation mode to income mode and see how your savings can replace that paycheck you’ve been used to receiving. Let Steve help you go from the office, the golf course with added sleep insurance.   See omnystudio.com/listener for privacy information.

Once you retire, the paychecks stop – right? Yes, but, it’s important to remember that even after you leave the working world, you need income to replace the savings that you are now using. Would you rather have a plan that says “maybe the money will be there” or “the money is guaranteed?” Clearly, guaranteed! The question is, how can you do this? In the end, we want INcome not IFcome and the good news is Steve can create a sound income plan you can’t outlive!See omnystudio.com/listener for privacy information.

Football is finally back!  And there’s an old saying, “Offense wins games, but defense wins championships.” Best-selling financial author Patrick Kelly says the same can be true for your retirement strategy. But how do we keep from “giving up points” when it comes to our nest egg? Steve talks about his strategy for creating buckets of money and how he can help protect and grow your nest egg. Every plan that Steve puts together is customized, NOTHING is cookie-cutter.  Give Steve a call today with any questions, concerns, doubts or even fears when it comes to your retirement. Remember, a Complimentary  Consultation is FREE!  See omnystudio.com/listener for privacy information.

The #1 fear in retirement, is running out of money – how can we avoid this? One of the tricks to planning a successful retirement is to figure out how much money you can safely withdraw from your nest egg, without running out. One of the simpler ideas is to plan on taking out the equivalent of what your RMD’s (required minimum distributions) would be. Does this work or is there a better way? Do you know the foundation of your retirement plan?  Steve, Cape Cod’s Retirement income Specialist, identifies creative strategies to help you not run out of money and explains how you can maximize your income in retirement while checking off those bucket list items!  See omnystudio.com/listener for privacy information.

Have you heard of the "A" word when it comes to financial planning? ANNUITY! What is it? Can it help you? Can it hurt you? How do you know if an annuity is for you?    As Cape Cod's Retirement Income Specialist, Steve uses his more than 3 decades of experience to create a solid income plan for you where you DON'T run out of money, no matter what happens on Wall Street.  Find out if an Annuity is right for you! Give Steve a call today with any questions, concerns, doubts or even fears when it comes to your retirement. Remember, a Complimentary  Consultation is FREE!      See omnystudio.com/listener for privacy information.

Yes, all money is green but did you know you have to assign it a purpose/color?  Steve explains the different colors of money that you need, what they mean and why you need it. Find out what part of your money is red, green, and blue.   If you understand your money and how it works, you retire with confidence. First, you need a PLAN. If you don't have a plan, its a plan to fail.  Contact Steve today for a virtual appointment! See omnystudio.com/listener for privacy information.