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Catch Retirement 360 with Alan Mercurio, Kentuckiana's highly acclaimed retirement and investment specialist. Gain true financial wisdom and advice aimed at educating you about all of your financial options when it comes to retirement so you can make the best decisions for you and your family. Get information and education that can bring you peace of mind with your savings and retirement. Whether it's your 401k account, IRA, or an underperforming asset, Louisville's Retirement Coach, can ans ...
 
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In this segment, Alan talks about a couple of interesting findings from a new Charles Schwab survey...one being that the average baby boomer has about $920,000 saved for retirement, and that boomers expect to spend about $135,000 a year in retirement. Alan says at that rate, they’ll enjoy a comfortable seven years of retirement. But what happens in…
 
They say people assume they’re diversified because they own an S&P 500 index fund. But, all that means is that your stock holdings are diversified – not that your overall retirement portfolio is diversified. On today's show, Alan and Troy talk about the really important distinction between the two and the very common mistakes you could be making.…
 
The baseball playoff's are underway, so we're giving you a sports analogy tied into your financial planning.When you’re trying to figure how much money you’ll need in retirement, the first question is – how many years do you think you’ll need to pay for? Unfortunately, we can only guess at that number. Alan Mercurio and Morningstar’s David Blanchet…
 
What would you be willing to sacrifice if it meant you could retire 10 years sooner than planned?You've been working your whole life to get here and what happens? A global pandemic takes over the world, and election with unprecedented consequences is looming in the fall, civil rest is all around and you're just trying to retire. This week Alan talk…
 
Are you letting the election coverage influence any of your investment decisions? How have these unprecedented times impacted your decision making when it comes to retirement planning?Alan and Randy take some time this week to talk about what the reality of your investment decisions could be leading up to the election and help put you in the best p…
 
How is monopoly like retirement planning? Is it a game of luck or game of skill?Most people say a little of both. You can’t control what happens with the dice, but you can control what happens next. Alan and Randy take some time on this week's radio show to talk about how a children's board game can teach you a lot about retirement planning if you'…
 
In a trade magazine named "Physician's Practice" they say that doctors think they have an easier time planning for retirement since they're such high earners... but how true is that in reality?Are high earners simply more prepared for retirement? Does this mean low earners won't be able to even plan for their retirement? Alan and Randy discuss this…
 
We hear the age-old investment advice to not put all your eggs into one basket, which makes index funds really attractive for a lot of people since they're already so diversified. Did you know that of all the gains seen in the S&P 500 since March, 30% have all come from only 6 stocks? Alan & Randy talk about what companies have been driving the S&P…
 
We hear every day about the downsides of COVID-19 and it's effects on the market... but are their positives we're not thinking about? Troy and Randy discuss these easily ignored upsides we've been seeing when it comes to Coronavirus and your retirement.Also, we have talked about how all the Federal stimulus money may lead to tax hikes in the future…
 
Fifty-five years…and counting. The soap opera “Days of Our Lives” is one of the longest-running scripted TV shows in the world! Some things stand the test of time … while others fall by the wayside. What are some common retirement planning beliefs that have not held up very well?Also, according to a Transamerica study, only 1 in 4 workers have take…
 
While people were celebrating father's day, hopefully they were tuning in as well! Alan went over some financial advice we all get our fathers and shares some of the best advice he got from his father when it comes to finances. Is retirement planning too complicated? Alan reviews the results to a Harris Poll and the answer might surprise you. Tune …
 
Politics and investing... How are they affecting your portfolio? A new study claims that mutual fund managers tend to invest more money in companies that share their same political beliefs and it could end up costing you.How long do you think you will spend in retirement? For most people, the answer is longer than they expect. Will you live to be 9…
 
Volatility in the market is causing a lot of retirement savers to pull their money out of the market, but Fidelity thinks they might be over reacting. For instance, what happens if you take your money out and then the market goes up? Then you're just leaving money on the table. Troy talks a bit about this and the risks associated with pulling your …
 
So... Is another recession really on the way? If a recession does hit, how is going to effect you if you're in (or nearing) retirement? Alan talks a bit about this and also talks a bit about how your financial plan should have planned for a possible recession.There are some people who aren't planning to retire for a very grim reason...They don't ex…
 
How much risk is too much risk in retirement? How much risk should you be keeping in your portfolio as you start to exit the work force and enter into retirement? Patrick Kelley, the author of Stress Free Retirement, says it all depends on when you're going to actually need the money that you're investing. Don't tell your lawyer friends, but there'…
 
Have you heard about Uncle Sam and his retirement plan? Here's a hint - he doesn't retire when you do. Your taxes are essentially Uncle Sam's "retirement plan" and when you retire, you only keep on paying them. Alan talks a bit about paying taxes in retirement and how to factor them in to your anticipated retirement income.Does it make sense to con…
 
What do Bill Belicheck and Warren Buffet have in common? They're planners. While Belicheck might do his planning on the field and Buffet in the bank, both have a set plan for what they're doing and understand every step along the way.This week we talk about how having a game plan for your retirement is incredibly important and how you're leaving mo…
 
If you're still investing in index funds while nearing retirement, a recent Forbes article says you could be making a costly mistake. Many retirees or people closing in on retirement depend heavily on this traditional investment strategy and a recent article says there might be better ways to do so.Even if you haven't taken the time to set up an of…
 
According to the Stock Trader’s Almanac, in years preceding presidential elections since 1971, the July-October span marked the worst four months. The Dow and the S&P 500 index have tended to peak in July, bounced around in the next couple of months, and dropped in October, ending with losses by Halloween. Should some of us go into “financial hidin…
 
The economy is currently in a good spot... but the Federal Reserve is cutting interest rates? Is this normal? Alan walks you through the traditional process the Federal Reserve follows when it comes to interest rates and explains why the Federal Reserve has decided to cut rates.Did you know that according to a survey from Nationwide Retirement Inst…
 
When you sit down with a financial advisor, one of the main reasons you do so is to find out if and when you're able to retire. When you're trying to decide that, what factors are you looking at? Alan goes through some of the main factors that help make this decision and talks about the questions he asks in his planning process.Did you know that ab…
 
Is another recession coming? How can you protect yourself? A new study from Allianz Life says that 48% of middle class americans fear a major recession, which is higher than it was last quarter. What are you doing to prepare?The Street is calling for a "Target Income Fund" to be created, but what does it do? Alan walks us through what the creation …
 
This Sunday, tune in to Retirement360 with MWA advisor Alan Mercurio and host, Randy Cook, as they take on the latest tending news.Are you planning to celebrate Bobby Bonilla Day? Better yet, did you know that even though he retired from baseball in 2001, Bobby Bonilla still receives a check for $1,193,248.20 from the New York Mets on the first of …
 
This Sunday, tune in to Retirement360 with MWA advisor Alan Mercurio and host, Randy Cook, as they take on the latest tending news.How much of of your salary do you need to save? 10 times or even 16 times? Are the writers at Motley Fool correct? What and who are you supposed to believe?Have you done a "Stress Test" on your retirement plan, and what…
 
Often, we at MWA discuss the term Retirement Plan. Your Retirement Plan is unique to you, your goals, your needs, and your family's wants. There are ways to achieve these goals, and there are some myths that need to be addressed because they may not be the most viable options.This week on Retirement360, MWA advisor Alan Mercurio and host, Randy Coo…
 
This week on Retirement360, MWA advisor Alan Mercurio and host, Randy Cook, dive in to the importance of finding the right financial advisor and why you would consider meeting one sooner rather than later. At MWA, we focus on education and the necessary steps families need to take to make sure their retirement is sound.Planning for retirement is mo…
 
Following the guidance of ultra-investors like Warren Buffett, one wonders how everyday families could practice their beliefs. Beyond picking the right investments and wanting to grow your accounts - Buffet seems to advocate protection even more.“There are too many investors on Wall Street who measure performance based solely on the returns gained.…
 
Are financial services moving towards a Netflix-like subscription model? Maybe.Schwab had recently announced it will charge a $30 monthly fee for "unlimited advisory services, and automatic trades." While this might sound appealing to some, these clients will not have the benefit of custom planning, income planning or tax and estate planning. Robo …
 
Every day we meet families who all have similar questions or expectations for their retirement. While we know two families are not the same, there are a few questions they all seem to ask:What about fees? Who and what are being paid?We dive into the three most common groups of fees: Administrative fees, Investment fees, and Individual service feesA…
 
This week on Retirement360, MWA advisor Alan Mercurio returns with host, Randy Cook and they take on one last trick before you file your taxes - putting money away in your traditional IRA and it will still count for last year. How is it possible? You'll soon find out!Personal finance guru, Suze Orman, says it's not the first 10-15 years of retireme…
 
This week on Retirement360, MWA advisor Troy Bolton and host, Randy Cook are talking taxes - but with a focus on what to do when YOU are the beneficiary. Many families will set up tax efficient legacies for your loved ones, but what happens when you inherit a 401(k)? How do you roll over the assets? How can you prolong RMDs? And most importantly, h…
 
This week on Retirement360 MWA advisor Alan Mercurio and host, Randy Cook take on three of the biggest concerns facing retirees today: Social Security, taxes and advisor fees.An easy way to maximize your SSI benefit is to simply wait it out and withdraw as late as possible. However, waiting until you are 70 is not always the best option for some fa…
 
This week Mercurio Wealth Advisors Founder and President, Alan Mercurio, and host Randy Cook, discuss the importance of knowing your Risk Tolerance. What is Risk Tolerance? It is the ebb and flows you feel secure taking with the swings of the market. Almost everyone feels secure when the market climbs, but what when it dips? How much of your invest…
 
How do you know when it is the right time to see a financial advisor?Everyone who owns a car knows to bring it to a mechanic when it needs a tune up, so why not apply that same logic to your finances? Why are families hesitant to use the guidance of a finance professional? By meeting with a financial advisor, even for one discussion, you may open t…
 
Is there such a thing as an average retirement? Surveys show that most folks will retire around 61 years old, and then experience 20+ of retirement! If we could know exactly how long our retirement would last - it would make for much easier planning. The average spend is $46,000 per household and that is mainly divided between monthly expenses of h…
 
This week on Retirement 360, MWA advisor, Alan, and host, Tony Vanetti, discuss the importance of having a total team to manage and guide your retirement. Does your CPA speak with your attorney, and then do they both speak to your financial advisor?Alan tackles the importance of having eveyone meet to make sure your retirement is on trach!…
 
If you could protect your wealth in turbulent times - would you do it? Or, would you ride out the waves of the stock market? Do the ebbs and flows match your risk tolerance? Are you concerned about future income should there be a downturn in the market?This week, MWA advisor, Alan Mercurio, and host Randy Cook, discuss the pressing questions of mar…
 
As the markets move up and down, our office is fielding phone calls and meetings with everyone wanting to know - what do I do to control my savings? If you are considering adjusting your 401k and moving in to a different style account, what will that take? Will it spare you or add new fees? Will it adjust your taxes? Are there accounts that can off…
 
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