Join Kevin Madden for helpful answers to the retirement planning questions and concerns that keep you up at night.
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1
Exploring Guaranteed Retirement Income Options
18:16
18:16
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Kevin discuses the need to understand and manage the risk in one's portfolio. The conversation also touches on the impact of the upcoming presidential election on the market and advises against making investment decisions based on political promises. The importance of guaranteed retirement income and strategies to mitigate the effects of inflation …
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1
Navigating Market Volatility: The Need for a Defensive Posture
17:05
17:05
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17:05
In this conversation, Kevin discusses the current state of the market and the need for a defensive posture. He recommends investing in fixed annuities and income annuities to protect against market volatility and ensure a guaranteed income in retirement. Kevin also emphasizes the importance of diversification and using multiple strategies to genera…
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Annuities can be beneficial for those who need more income, want guaranteed income, or seek peace of mind. They provide a higher guaranteed payout and protect against market fluctuations. It is important to have a financial plan that considers guaranteed income sources, portfolio growth, and protection. Retiring early can be challenging due to heal…
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1
Ensuring Market Protection for Retirement
20:44
20:44
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Episode Takeaways: Having market protection in place is key for retirement planning. Annuities can provide guaranteed income but should not make up 100% of one's assets. Social Security optimization involves considering factors such as health, hereditary, and personal financial needs. Working with a trusted advisor and having a comprehensive financ…
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1
Increasing Guaranteed Income in Retirement
18:21
18:21
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High interest rates can be advantageous for retirement planning, particularly for fixed annuities that offer higher rates of return. Exploring strategies to increase guaranteed income can provide a more secure retirement. Diversification is key in retirement planning, both in terms of investments and the tools used to achieve financial goals. Contr…
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The conversation discusses the current state of the stock market and the potential impact of the upcoming election. It emphasizes the importance of diversifying investments and considering safe, fixed-rate options. The use of target date funds and the potential benefits of annuities are also explored. The conversation touches on the role of interes…
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1
The Impact of the Dow Jones Milestone on 401k
16:18
16:18
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16:18
The conversation discusses the impact of the Dow Jones industrial average surpassing the 40,000 barrier on someone's 401k. It emphasizes the importance of being smart about where money is invested and diversifying income sources. The conversation also touches on the decision of when to take Social Security and the benefits of deferring it. Get your…
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1
Mastering Summer Market Strategies: How to Build a Resilient Retirement Portfolio
18:35
18:35
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18:35
In today's episode, we debunk the age-old Wall Street adage, "Sell in May and go away." Is it still relevant in today’s market? Kevin dives deep into why trying to time the market can often lead to missed opportunities and how a well-diversified portfolio is the key to consistent, long-term growth. We also explore the importance of tax-efficient re…
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1
Retirement Pitfalls: Avoiding Common Financial Mistakes
17:09
17:09
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17:09
Joined by Investopedia editor Caleb Silver, Kevin highlights the importance of income planning, the benefits of guaranteed income, and the impact of inflation on your retirement portfolio. Learn about effective income replacement strategies and why consulting a fiduciary advisor can significantly enhance your financial outcomes. If you want financi…
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1
Creating a Comprehensive Retirement Roadmap
16:37
16:37
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The conversation discusses the challenges of retiring early and the importance of planning for a longer retirement. It emphasizes the need to consider factors like longevity, healthcare costs, and long-term care. The conversation also explores the risks and benefits of investing in the stock market and the role of guaranteed income strategies, such…
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1
Debunking the 'Magic Number': The Importance of Individualized Retirement Plans
17:22
17:22
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17:22
Takeaways from todays episode: Kevin Madden got into the financial services world by accident but developed a passion for helping people with their retirement plans. Being an independent advisor allows Madden to use the best products in the market and provide personalized retirement planning. Madden finds satisfaction in seeing his clients retire c…
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1
Unlocking Retirement Success: Strategies for Financial Freedom and Peace of Mind
15:51
15:51
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With nearly one-third of Americans having nothing saved for retirement and 40% not contributing to any retirement fund, Kevin and his guests explore the root causes and actionable solutions to bridge the financial literacy gap. Discover expert insights into building a robust financial plan, understanding the importance of balancing immediate financ…
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1
How to Secure Guaranteed Income for Retirement
18:57
18:57
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18:57
Are you nearing retirement and worried about running out of money? This episode of the Retirement Radio with Kevin Madden discusses the importance of guaranteed income streams in your retirement plan. Learn how to avoid the dangers of delaying retirement and discover strategies for creating a safe and secure income stream for your golden years. Kev…
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1
Securing Your Retirement: How Pensions Offered a Solution & Why Guaranteed Income Matters
9:38
9:38
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9:38
In a dynamic conversation with his guest, Kevin discusses the shift from pensions to 401Ks, highlighting concerns about market volatility and the desire for reliable income streams. Discover how guaranteed strategies offer peace of mind and longevity in retirement, shielding individuals from market fluctuations and providing consistent cash flow. G…
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1
Unlocking Retirement: Navigating Tax Returns and Annuity Solutions
10:25
10:25
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10:25
In this episode, Kevin sheds light on common misconceptions surrounding tax obligations and shares insights on optimizing retirement income through strategic tax planning. From avoiding penalties to maximizing savings, Kevin provides actionable advice to help listeners navigate the complexities of tax season and secure their financial future. Disco…
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Mastering Emotions in Investing: Strategies to Navigate Market Volatility and Uncover Hidden Fees
8:00
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Explore practical strategies to safeguard your retirement savings, including the importance of playing defense in high-market conditions and uncovering hidden fees that may erode your portfolio's value over time. Gain valuable tips on optimizing your investment strategy and understanding the true implications of your financial decisions. Call Kevin…
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Maximizing Retirement Savings: Debunking the 4% Rule & Tax Strategies like Jeff Bezos
9:01
9:01
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9:01
In today's episode, Kevin dissects the infamous 4% rule and its applicability to diverse financial situations. While the rule provides a framework, Kevin emphasizes the need for personalized strategies tailored to individual circumstances, considering market dynamics and investment aggressiveness. Moreover, we explore the recent buzz surrounding Je…
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1
Avoiding Market Noise & Maximizing Annuity Benefits
9:25
9:25
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9:25
Kevin debunks the myth of trading on financial news and explores the wisdom of long-term investment planning. Drawing insights from Jordan Belfort's views on market unpredictability, Kevin emphasizes the importance of a diversified portfolio and strategic risk management. Then, Kevin delves into the untapped potential of annuities within 401(k) pla…
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1
Unlocking IBM's New 401K Strategy: Creating Guaranteed Income for Retirement
7:47
7:47
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In this episode we delve into IBM's innovative approach to 401Ks and the challenges of securing reliable income streams in retirement. Morningstar's John Rickenbaugh breaks down IBM's groundbreaking retirement benefit account, offering insights into its guaranteed rate of return and how it differs from traditional 401Ks. Kevin explores the importan…
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1
Maximizing Retirement: Financial Planning and Optimizing 401K Investments
7:27
7:27
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7:27
With a staggering number of retirees facing unexpected challenges, Kevin sheds light on the importance of having a solid financial plan in place. Discover why merely hoping for a smooth transition into retirement isn't enough and why a proactive approach is necessary. Furthermore, explore the realities of 401K investments exposed by a renowned fina…
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1
Emotional Finance Decisions & Babe Ruth's Annuity: Lessons for Retirement Planning
10:29
10:29
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In this episode, Kevin also draws parallels between baseball legend Babe Ruth's savvy financial move of purchasing an annuity before the Great Depression and the importance of guaranteed income streams in retirement planning today. Gain valuable insights into annuities as a potential solution for securing lifelong income and reducing financial stre…
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1
Taking Control of Your Retirement Portfolio: When to Hit the Brakes
9:02
9:02
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Join Kevin and Jess as they discuss the parallels between automated driving technologies and the tendency to put retirement funds on autopilot. With the market's volatility in mind, they explore the importance of reevaluating investment strategies and adjusting risk levels as one approaches retirement age. Discover actionable insights on portfolio …
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Optimizing Your Retirement Portfolio: Active Management Strategies & Navigating the 4% Rule Withdrawal Rate
8:28
8:28
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In this episode, discover insights from investment giants like Goldman Sachs and JP Morgan, indicating the need for active management in 2024. The conversation explores the challenges of relying solely on market returns and the potential pitfalls of the 4% rule withdrawal rate. For a personalized analysis of your current financial position and risk…
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1
Strategies for Financial Success: Navigating Trump Tax Cuts and Building Multiple Income Streams for Retirement
7:27
7:27
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7:27
In this episode we discuss the implications of the Trump tax cuts set to expire next year and the potential impact on individual tax rates, standard deductions, and estate tax exemptions. Kevin also discusses proactive tax strategies, including the conversion of IRAs to Roths, to safeguard your wealth in the face of changing laws. Whether you're ne…
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1
Maintain My Living and Play: Busting Retirement Myths and Inflation Facts
10:46
10:46
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Is the rising cost of living eating away at your retirement dreams? You're not alone. In this episode Kevin tackles the burning question: can you maintain your standard of living in retirement with inflation soaring? Uncover the truth behind common retirement myths: Myth: Social Security is enough to cover your expenses. Fact: While Social Security…
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1
Unlocking GenX Retirement: Why Only 40% Work With Advisors and Crafting a Diverse Income Strategy
9:35
9:35
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9:35
Despite the urgency of the times, only 40% of GenXers are working with financial advisors. Kevin sheds light on the reasons behind this disconnect and emphasizes the significant advantages of collaborating with an advisor, citing a proven 3% or more average return. In a world where DIY approaches are prevalent, Kevin underscores the importance of p…
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1
Maximizing Retirement Income: A Deep Dive into 401K Management Strategies
5:40
5:40
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5:40
This episode explores various income-generating strategies, from guaranteed income products to dividend-paying stocks and bond yields. Kevin breaks down the importance of analyzing your current financial plan, offering a real-life example of how a personalized portfolio analysis can make a significant difference. Discover why it's crucial to focus …
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1
Defensive Strategies for Uncertain Markets: Navigating Investments in 2024
5:52
5:52
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5:52
In this episode, Kevin delves into the complexities of market predictions for 2024 and 2025. Portfolio manager Adam Hetz, featured on CNBC, highlights the impact of the historic spike in interest rates and urges investors to err on the side of caution. In this episode, Kevin discusses the importance of staying invested while adopting a defensive st…
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1
Unlocking Retirement Wealth: The Millionaire's Dilemma and Financial Roadmaps
7:22
7:22
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Do you need to be wealthy to retire? Kevin discusses the surprising findings of a recent survey that reveals only 8% of Americans with at least one million dollars consider themselves wealthy. Is there a magic number for feeling rich, and does it guarantee a comfortable retirement? Discover whether having a million dollars in assets truly makes you…
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Decoding Dave Ramsey's 8% Rule: The Hidden Risks of Full Market Investment in Retirement
6:15
6:15
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6:15
In this episode we delve into the recent recommendation from renowned financial talk show host Dave Ramsey. Ramsey suggests retirees invest their entire portfolio in the market and withdraw 8% annually. However, Kevin uncovers the flaws in Ramsey's math, shedding light on the potential pitfalls of this strategy. Another financial expert Jared Morro…
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1
Avoiding Financial First Date Fumbles: Red Flags in Retirement Planning
6:54
6:54
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What are the parallels between first dates and retirement planning red flags? From memorable first dates, including a surprise football game invitation, Kevin shares personal anecdotes that lead to discussing the importance of avoiding financial first date fumbles in retirement. Kevin identifies the top red flags he encounters, such as the absence …
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Navigating Retirement Amidst Political Storms: Elections, Portfolios, and Financial Planning
6:48
6:48
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A recent survey revealed that 45% of investors believe political outcomes carry more weight than market returns. Host Jess raises crucial questions about how clients factor politics into their investment decisions. Kevin shares insights on how political concerns may lead some individuals to stay on the investment sidelines, missing out on market ra…
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Unlocking Hidden Wealth: The Hunt for Unclaimed 401K Assets
6:01
6:01
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6:01
Did you know that an estimated 1/4 of 401K assets, totaling a staggering $165 trillion, go lost and forgotten when individuals leave their jobs? In this episode, Kevin and his guests explore the reasons behind this phenomenon and discuss the steps you can take to uncover potential hidden treasures in your retirement accounts. Worried that you might…
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1
Decoding the Social Security Dilemma: Maximizing Your Retirement Income Strategy
5:36
5:36
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Will Social Security go broke? IF it does, how will it impact your retirement plan? Unravel the myths and uncertainties surrounding Social Security's future, with insights into the potential changes and their effects on benefits. Discover the strategic considerations for optimizing your Social Security payments, including when to start, defer, or p…
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iBonds vs. Fixed Annuities: Making the Right Choice for Your Retirement Savings
5:39
5:39
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Join us as we discuss the recent changes in iBond interest rates, their long-term benefits, and whether it's time to cash in. Kevin shares insights on fixed annuities that offer guaranteed returns and explains why they might be a compelling option for securing your financial future. Discover how these investment tools can help you make informed dec…
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1
Unlocking Earnings Season Insights: Strategies for Retirement Planning
7:31
7:31
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As Wall Street gears up to report on the third-quarter performance of companies, we discuss the potential market volatility and how to navigate it. Discover valuable insights from financial experts, including Jason Katz of UBS, who shares his optimism amid this earnings season. Gain a deeper understanding of why this earnings period is projected to…
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Many of us eagerly anticipate retirement, envisioning the freedom to pursue our hobbies and passions. However, not all transitions to retirement are smooth, and some individuals find themselves grappling with financial stress and boredom. Is there an alternative to traditional retirement, a way to stay engaged and fulfilled? Our discussion uncovers…
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1
Seizing Opportunity: Higher Interest Rates & Portfolio Reviews
9:09
9:09
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Volatility in the stock market and record-high interest rates are dominating the headlines, but what opportunities do these conditions bring for your retirement savings? Learn how you can enhance your financial portfolio by making the most of these elevated rates. Discover strategies to balance safety and risk in your investment approach. Kevin add…
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1
Maximizing Your Returns: Money Markets, Annuities, and Retirement Tax Planning
7:49
7:49
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7:49
Are you aware that for the first time in 22 years, cash is outperforming the S&P 500 in terms of returns? If you've been stashing cash under your mattress, you might be surprised to learn that you're ahead of the game. Yahoo Finance's Jared Blick Reese discusses how a staggering $925 billion has flowed into money markets this year alone. The landsc…
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Uncovering Hidden Fees: Are You Paying More Than You Think?
7:34
7:34
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7:34
In the age of autopay, many of us have become accustomed to having our bills paid automatically. It's convenient, right? Well, maybe not always. A recent survey by Chase Bank revealed that people often forget what bills are being paid, including for services they no longer use. It's akin to paying for a streaming service you never watch. But here's…
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Demystifying Annuities: Your Path to Financial Confidence
8:59
8:59
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The episode kicks off by addressing common misconceptions about annuities, emphasizing that they aren't magical instruments but rather strategic financial tools. Kevin tackles the question of why individuals would choose to invest in annuities rather than managing their investments themselves, highlighting the role of annuities as a form of longevi…
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Pension Decisions & Living Life to the Fullest with Martha Stewart
11:27
11:27
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11:27
In this episode, Kevin delves into the complex world of pension decisions, addressing the concerns of a 60-year-old listener who is pondering retirement. Kevin offers insights into the options available for individuals with pensions and provides valuable advice on how to maximize retirement income while considering factors like leaving a legacy. Wh…
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1
Deciphering Your 401(k) in Retirement: What's the Best Move
8:17
8:17
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Today, we tackle a question that looms large in the minds of many pre-retirees: What should you do with your 401(k) when retirement is on the horizon? It's a question that deserves careful consideration, and Kevin shares his expertise on the matter. Kevin starts by addressing a recent Vanguard study, which found that 30% of people cash out their 40…
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New 401(k) Catch-Up Rule for High-Income Earners
10:08
10:08
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In this episode of the Your Retirement Radio Show, Kevin discusses the new rule that will require high-income earners to put their catch-up contributions into a Roth 401(k) starting in 2023. He also talks about the benefits of Roth 401(k)s and how they can help you save for retirement. Kevin shares the story of a client who was able to save thousan…
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When to Start Collecting Social Security: The Pros and Cons of Waiting
8:43
8:43
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8:43
On todays episode, Kevin discusses the pros and cons of waiting to start collecting Social Security benefits. He explains how delaying benefits can lead to a higher monthly payout, but it's important to consider your individual circumstances before making a decision. Kevin also talks about the importance of having a financial plan in place, and how…
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Maximizing Your Retirement: Roth IRA Strategies and Portfolio Enhancement
10:57
10:57
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Kevin and his team dive deep into two crucial topics: headlines that can often send mixed signals about retirement savings and the Roth IRA as an ideal tool for tax planning. Kevin shares his insights on how to assess if you're on track for retirement and highlights the importance of personalized planning tailored to individual needs and circumstan…
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Recession Worries and Annuity Sign-Up Bonuses in Retirement Planning
12:57
12:57
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In this episode, Kevin Madden delves into the pressing concerns about the economy's uncertain trajectory. With mixed signals circulating, Kevin highlights a recent interview with economist Stephanie Palm Boy, drawing parallels between the current economic landscape and the 2008 financial crisis. Amidst the market volatility and economic uncertainty…
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Fixed Income Strategies and Financial Road Maps
9:58
9:58
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Join Kevin Madden and Jessica in this episode of "Your Retirement Radio" as they discuss the importance of fixed income strategies and creating a financial road map for retirement. Gain insights into market conditions, risk assessment, and the benefits of guaranteed income streams. Discover how independent financial advisors like Kevin can help you…
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Protect Your Money from a 20% Market Loss TODAY!
10:00
10:00
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The Federal Reserve keeps raising interest rates to try and tamp down inflation. The latest hike brings us to 3.25%. Billionaire hedge fund manager Ray Dalio says that if the rate reaches 4.5%, the stock market will sink by 20%. Do you see the Fed backing down over the next few months and if they don’t, how can you help us stop another 20% loss in …
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If you have a traditional IRA or 401(k), you could run into a tax problem. That’s why you hear people converting those funds to an after-tax Roth IRA a little bit at a time before retirement. How easy or difficult is it to do this? At what age should someone consider making the conversion? Kevin explains and gives an example of how he can help you!…
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