In Episode 173, Fred Saide discusses the financial strategies of millionaires and how listeners can adopt similar practices to improve their financial health. The conversation covers the importance of long-term planning, risk management, and the psychological aspects of investing. Saide emphasizes the need for a structured approach to budgeting and…

In this episode, Fred Saide discusses significant upcoming changes to retirement plans, particularly focusing on the implications of the Secure Act 2.0 and the central role of 401(k) plans. He highlights the challenges of an aging population and economic volatility, the importance of contribution limits, and the future of Roth accounts. The convers…

In Episode 171 of Money Matters USA, Fred Saide discusses essential strategies for wealth preservation, particularly for those in retirement. He emphasizes the importance of having a solid financial plan, understanding risk tolerance, budgeting for cash flow, and optimizing taxes. Additionally, he touches on the significance of legacy planning and …

In Episode 170, Fred Saide addresses common concerns of retirees and pre-retirees and shows how to ease them. Topics discussed included market volatility, Social Security, health care both physical and financial, long term care, and inflation. Reach Fred at 800-593-8188. Money Matters USA www.moneymattersusa.net www.wealthensure.com See omnystudio.…

In Episode 169, Fred Saide discusses the critical importance of estate planning for retirees, emphasizing the need for a comprehensive plan to ensure assets are distributed efficiently and according to one's wishes. He highlights the common pitfalls of probate and the necessity of tax-efficient strategies for wealth transfer. Additionally, Fred add…

In Episode 168, Fred Saide discusses the challenges facing Americans in retirement, including the perception of unpreparedness, the complexities of Social Security, and the importance of healthcare planning. He emphasizes the need for comprehensive financial strategies to navigate inflation, manage risks, and ensure a secure retirement income. The …

In Episode 167 of Money Matters USA, David Esposito, President and CEO of ONL Therapeutics, shares insights from his military background and how it shaped his leadership style. He discusses the dynamics of working in small biotech companies versus large corporations, the challenges of treating retinal diseases, and the importance of AI in early det…

In episode 166 of Money Matters USA, Fred Saide discusses the various traps retirees face due to hasty decisions made during retirement planning. He emphasizes the importance of understanding the changing landscape of retirement, the critical role of Social Security, and the need for effective income strategies, including annuities. The conversatio…

Episode 165 features the three-year podcast anniversary. It actually should have been held on Episode 156 but better late than never. Fred discusses the current economic uncertainties and provides actionable steps for listeners to navigate these challenges. He emphasizes the importance of retirement planning strategies, particularly in optimizing R…

In Episode 164, Fred discusses the complexities of retirement planning, emphasizing the importance of having a written plan, setting realistic goals, and understanding the implications of investment strategies and taxes. He highlights the need for professional guidance in navigating these challenges, especially in light of potential political chang…

On Episode 163, Fred discusses the complexities of retirement planning, emphasizing that it's not just about accumulating wealth but understanding personal goals and needs. He highlights the importance of working with a fiduciary, the role of AI in financial planning, and the necessity of creating a comprehensive retirement income plan. The convers…

In Episode 162, Fred Saide discusses various financial topics related to retirement planning. He highlights the retirement disconnect, where many Americans are giving up on the ability to retire due to financial pressures caused by inflation. He emphasizes the importance of proper planning and the challenges of do-it-yourself retirement planning. F…

In Episode 161, Fred discusses various aspects of retirement planning covering topics such as divorce, creating a retirement spending plan, maximizing Social Security benefits, withdrawal strategies, healthcare planning, and finding purpose in retirement. Fred emphasizes the importance of creating a budget, understanding one's financial needs, and …

In Episode 160, Fred Saide discusses the nine crucial steps to consider for a smooth and fulfilling retirement. The checklist includes topics such as retirement savings, multiple streams of reliable income, minimizing debt, comprehensive health and long-term care coverage, proper planning for spending and enjoyment, inflation protection, effective …

In Episode 159, Fred discusses the impact of presidential elections on the economy and explores the economic history of past presidents. He touches on topics such as the current job market, the chances of a recession, the role of the Federal Reserve, and the impact of tax policies. He also discusses issues like healthcare, regulation, immigration, …

In Episode 158, Fred Saide points out that retirement planning is like piecing together a complex puzzle, with each piece being crucial for a secure future. One approach to retirement planning is goals-based retirement planning, where the focus is on creating and achieving realistic goals before discussing income and money. Maximizing social securi…

In Episode 157, Fred Saide discusses the importance of estate planning and the mistakes to avoid. He emphasizes the need for a comprehensive estate plan to ensure that your assets are distributed according to your wishes. Fred highlights the importance of updating your estate plan regularly, especially after major life events. He also discusses the…

In Episode 156, Fred Saide discusses the world of Roth IRAs and the benefits of Roth conversions. He emphasizes that it makes sense to consider Roth conversions at any time, especially when tax rates are lower. Saide also highlights the importance of tax diversification and the need to plan for future tax liabilities. He addresses the skepticism so…

In Episode 155, Fred Saide discusses five essential steps for retirement planning: reliable income, budgeting, risk management, healthcare expenses, and estate planning. He emphasizes the importance of having multiple streams of income in retirement and the need to properly manage inflation. Fred also explores different strategies for generating in…

In episode 154, Fred Saide discusses important considerations for retirement planning, focusing on healthcare expenses, debt management, Social Security claiming strategies, asset allocation, and the impact of inflation. He emphasizes the need for budgeting, long-term care insurance, and a comprehensive plan to address healthcare costs. Saide also …

In Episode 153 of Money Matters USA, Fred Saide discusses the importance of working with a financial professional and the benefits it can bring. He highlights studies that show the significant impact of working with an advisor, including higher returns and better long-term financial outcomes. Saide emphasizes the need for a written retirement plan …

In Episode 152, Fred discusses whether retirees should continue to invest in the stock market and how they should allocate their assets. He emphasizes the importance of considering longevity and the need for a steady source of income in retirement. The conversation also touches on healthcare costs, legacy planning, risk tolerance, risk capacity, an…

During an election year, the debate arises about which party, Democrats or Republicans, is more beneficial for the stock market and the economy. However, Fred points out the impact of elections on the markets is not as significant as other factors, such as the actions of the Federal Reserve and government policies. Studies show that there is no cle…

Fred’s special guest is Corey Carver, Vice-President of Business Development at Magellan Financial and Insurance Services. Fred and Corey discuss the challenges of securing protected income for retirement. They explore the complexities of retirement planning and the importance of reliable and predictable income. They discuss different strategies, s…

Fred Saide discusses the challenges and changes in retirement planning, focusing on the impact of Social Security, healthcare, the Secure Act, and inflation. He highlights the strain on Social Security and Medicare due to the increasing number of baby boomers reaching retirement age and the system's inability to accommodate this demographic shift. …

In this episode, Fred Saide provides a comprehensive overview of annuities, their relevance in retirement planning, and the different types of annuities available. He discusses the importance of annuities in providing guaranteed income and addresses the significance of monitoring annuity purchases. Additionally, he emphasizes the need for comprehen…

Fred Saide discusses the challenges and statistics related to retirement planning, longevity, market volatility, and the unique challenges faced by women in retirement. He also addresses the importance of guaranteed income, annuities, and the need for comprehensive financial planning. The conversation delves into the impact of inflation, pay equity…

In this conversation, Fred Saide discusses retirement surprises and how to navigate them. He emphasizes the importance of understanding Medicare and making informed choices about healthcare coverage. Fred also explores options for long-term care and the potential costs associated with it. He highlights the need to plan for inflation, taxes, and lon…

Fred covers topics such as inflation, government spending, Federal Reserve policies, innovation in the private sector, Social Security and Medicare, and potential solutions for the financial challenges facing the country. The conversation covers various topics related to Social Security, taxes, inflation, and government spending. The main themes in…

Fred clears up some misconceptions about retirement including how much you’ll spend, how long your retirement may be, believing you can live off less, when you’ll retire, and how much your tax burden will be. Reach Fred at 800-593-8188. Money Matters USA See omnystudio.com/listener for privacy information.…

In this conversation, Fred Saide discusses various economic and financial headlines, including the market forecast, inflation concerns, and the impact of longevity on retirement planning. He shares his thoughts on the market performance, the narrow breadth of the stock market, and the potential risks of inflation and stagflation. Saide also emphasi…

In this episode, Fred Saide provides tips for boosting retirement savings for individuals who may have started late. He discusses catch-up contributions for individuals over 50, the importance of considering risk tolerance when investing, the option of delaying retirement, and the need to strategically plan for healthcare costs. He also emphasizes …

In this episode, Fred Saide discusses the importance of communication and agreement between spouses when it comes to financial planning for retirement. He emphasizes the need for both spouses to be involved in financial discussions and decisions, even if there is a division of labor in managing finances. Fred also highlights the importance of discu…

Fred discusses common retirement mistakes and debunks myths about retirement planning. The conversation covers topics such as trying to beat the market, the dangers of keeping all your money in cash, the importance of diversification, the potential risks of being overly cautious with savings, the benefits of strategic real estate decisions, and the…

In this episode, Fred Saide discusses lessons from golf that can be applied to retirement planning. He emphasizes the importance of not taking unnecessary risks with retirement funds and having a coherent financial retirement plan. He compares choosing the right club in golf to selecting the right assets and strategies in retirement planning. Fred …

Fred debunks some bad and questionable financial advice that is prevalent with the advent of social media. He counters with knowledge and experience in the financial industry opinions on the 401(k), debt, following trends, and the F.I.R.E. movement. You can reach Fred by calling 800-593-8188. Money Matters USA See omnystudio.com/listener for privac…

In this conversation, Fred discusses the economic landscape and challenges of retirement planning. He highlights the impact of inflation, government spending, and deficits on retirement savings. Fred emphasizes the importance of budgeting, analyzing spending, and projecting lifetime expenses. He also addresses the role of Social Security, pensions,…

In this podcast episode, Fred Saide discusses the idea of early retirement and the things you need to know before retiring early. He emphasizes the importance of considering time, money, and health in retirement planning. Fred also highlights the shift in focus from money to time in retirement and the challenges of adjusting to retirement. He intro…

In this episode, Fred Saide discusses taxes in retirement and provides insights into creating tax efficiency. He explains the taxation of retirement income sources, including Social Security benefits, pensions, interest-bearing accounts, stocks, bonds, mutual funds, and dividends. Fred also highlights the tax treatment of life insurance proceeds an…

In this podcast episode, Fred Saide discusses the importance of tax optimization strategies in retirement planning. He highlights the limitations of traditional tax planning and emphasizes the benefits of Roth contributions and conversions. Fred also explores other tax-efficient planning options, such as qualified charitable distributions and life …

In this conversation, Joe Peters, a residential real estate agent joins Fred Saide. He discusses various aspects of the housing market. He shares his transition from a technology career to real estate and highlights his unique approach that incorporates artificial intelligence. Peters also delves into the challenges of affordability in the housing …

In this episode, Fred Saide discusses the worst retirement advice you could follow and offers alternative positive strategies. The conversation covers various topics, including the danger of ignoring taxes in retirement planning, the myth of spending less in retirement, the need for Social Security reform, the fallacy of the $1 million retirement g…

In this conversation, Fred Saide discusses the importance of having a written plan for retirement and the need for a comprehensive checklist. He emphasizes the significance of budgeting, understanding income sources, and creating a spending plan. Fred also highlights the importance of considering healthcare and Medicare decisions, as well as tax pl…

In this episode, Fred Saide discusses how football strategies can be applied to retirement planning. He emphasizes the importance of the financial red zone, which is the transition period before and during retirement. Saide also highlights the need for reinvention in retirement and the challenges of sequence risk and return. He advises against rely…

Fred identifies risks in retirement and offers ways to avoid them. The podcast includes a discussion on the balance of risk and return, withdrawal strategies, the risk of longevity, taxes, healthcare, long term care, and asset allocation. You can reach Fred Saide at 800-593-8188. Money Matters USA See omnystudio.com/listener for privacy information…

We all know the bucket list so what would go in the un-bucket list? That would be things to avoid so you can have a successful retirement. That’s the discussion at the beginning of the podcast with Fred as he talks about knowing when you can retire so you don’t work longer than necessary, not being lonely and now having an unfulfilled retirement, a…

Still in the New Year the podcast devotes time to considering financial goals or resolutions, how to approach them, and how to stay on track. These include everything from paying off debt to increasing your savings and more. You can reach Fred Saide by calling 800-593-8188. Money Matters USA See omnystudio.com/listener for privacy information.…

Fred offers thorough coverage of annuities in this podcast looking at the benefits and drawbacks and breaking down the types of annuities. We also bring back Stump the Guru with a question from a listener seeking advice on what to do in retirement with all the spare time and how to best handle his finances. You can submit your “Stump the Guru” ques…

Warnings of what could harm your retirement are discussed at the open of the podcast with points on having a budget, automating your savings and payments, planning for healthcare costs, and not relying too heavily on being able to work longer. Fred also looks at what needs to be considered to help determine if you are ready to retire. You can reach…

Fred provides the answers to some commonly asked and very important questions regarding proper retirement planning. He also looks at what should be considered in shoring up your retirement in the new year. you can reach Fred Saide by calling 800-593-8188. Money Matters USA See omnystudio.com/listener for privacy information.…