Telton W Hall public
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What if it’s not too late? What if you truly can Retire Confidently? I’m Telton W Hall, Certified Financial Planner, and best selling author of The Secure Solution: Creating a High Quality Retirement in a Low Interest Rate World. My team and I have engaged in thousands of retirement planning sessions with middle and upper middle class Americans -people like you, with their own unique fears and families, their own messes and successes, and they have done just that – Retired Confidently. If yo ...
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Reasons People Don't Change: Lack of motivation. People may not be motivated to change their financial behavior because they don't see the need for change. They may be comfortable with their current financial situation, or they may not believe that they can change their behavior. Fear of failure. People may be afraid to change their financial behav…
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Here are some considerations about paying tithing during retirement: · Your income sources. In retirement, your income may come from a variety of sources, including Social Security, pensions, retirement savings, and investments. You will need to decide how you want to tithe on these different sources. Some people choose to tithe on their gross inco…
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Whether or not to tithe on retirement funds is a personal decision. There is no right or wrong answer, and it is important to do what feels right for you. Some people believe that tithing is a way of showing gratitude to God for all that they have, including their retirement funds. They believe that by tithing, they are returning a portion of what …
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Life insurance that can be transferred to an annuity is called a life insurance annuity. It is a type of life insurance policy that allows the policyholder to convert a portion of the death benefit into an annuity. The annuity will then pay out a regular income stream to the policyholder during their lifetime. There are two main types of life insur…
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This week we get a little nerdy. Who am I kidding. We get A LOT nerdy. We chat about fixed annuities vs. variable annuities. Fixed indexed annuities Offer a guaranteed minimum interest rate with the potential for additional growth based on the performance of a market index, such as the S&P 500. Are less risky than variable annuities, but they also …
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No. AND. Yes. No, your Social Security benefit will not go up once you begin to withdraw it. Your benefit is calculated based on your earnings history and your full retirement age. If you start taking benefits before your full retirement age, your benefit will be reduced. If you start taking benefits after your full retirement age, your benefit wil…
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An assumed IRA is an IRA that has been inherited by a spouse. The spouse can treat the IRA as their own, and they can continue to make contributions to the IRA. They will also have to take required minimum distributions (RMDs) starting at age 72. An inherited IRA is an IRA that has been inherited by someone other than a spouse. The beneficiary of t…
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I'm amazed that as I read my wife's journal about 12 years ago, how much is similar to today. The economy is a complex system that is constantly changing. It is influenced by a variety of factors, including consumer spending, business investment, government spending, and global events. As a result, the economy goes through periods of expansion and …
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An in-service 401(k) rollover is the transfer of your 401(k) assets from your current employer's plan to an IRA or another 401(k) plan while you are still employed. This is different from a traditional 401(k) rollover, which happens when you leave your job and take your 401(k) assets with you. There are a few benefits to doing an in-service 401(k) …
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Heaven is often thought of as a place of eternal bliss, where people are free from pain and suffering. However, there is another way to think about heaven: as a state of being, rather than a place. This means heaven can be something that we can experience in this life. There are many ways to experience heaven on earth. One way is to experience heav…
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There are many ways to celebrate success. Here are a few ideas: · Take some time for yourself. After working hard towards a goal, it's important to take some time to relax and recharge. This could mean taking a day off, going on vacation, or simply spending some time doing something you enjoy. · Spend time with loved ones. Celebrating your success …
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Investing in oneself is a crucial aspect of personal development, growth, and success. Here are some ways you can invest in yourself: Learning: Invest in your education by taking courses, attending workshops, and reading books to acquire new skills and knowledge. You can also enroll in online courses or pursue a degree program. Health: Invest in yo…
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We work to plan our lives out, think we know how it will all end up. But what about when it doesn't. What next? For the Orton's it was a mini-retirement. A MINI RETIREMENT?! A mini-retirement is a temporary break from work or career responsibilities that typically lasts between six months and two years. Unlike a traditional retirement, a mini-retir…
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Erik and Emily Orton went from broke to bootstrapping life aboard a sailboat in the Caribbean for a year with their five children. They are the authors of the New York Times Top 10 Travel Book Seven at Sea. They teach, write and speak about how to create unforgettable memories with your kids before they leave home. They coach moms and dads on how t…
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Just because we repeat something over and over doesn't make it true. Similarly, just because someone believes something to be true, that also doesn't make it true. Enter the confusion around the Personal Residence Exclusion. If you meet certain conditions, you may exclude the first $250,000 of gain from the sale of your home from your income and av…
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Eligibility: You can contribute to a Roth IRA if you have earned income and your modified adjusted gross income (MAGI) is within the limits set by the IRS. For 2022, the contribution limit is $6,000 for those under 50, and $7,000 for those 50 or older. Tax Treatment: Contributions to a Roth IRA are made with after-tax dollars, meaning you don't get…
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The Saver's Tax Credit is referred to in IRS tax forms as the “Credit for Qualified Retirement Savings Contributions.” This non-refundable credit may be helpful if matched-savings plans, such as Individual Development Accounts (IDAs), are not available or when saving for retirement is a high priority. The Saver's Credit is a great way for low- and …
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There are NO RULES! Problems in your life could be solved by daydreaming Problems in our society could be overcome by daydreaming The first rule of daydreaming there are no rules. So often what stands in your way is you. You don’t allow yourself to really consider that things COULD be possible. We talk ourselves out of something before we even allo…
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Getting reflective about the year 2022. Markets were down. My father passed away. Many events will be touchstones for the rest of my life. Life gives us the opportunity to get better, grow stronger, see new perspectives…but it doesn’t always mean that we want to do it. It similarly doesn’t mean that we aren’t afraid of it either. If you are able to…
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Growing up in a small town I had my share of “learning experiences” One such experience came about when my friend “Bodie” said we drive to the nearby town to where the road is inclined and drive my Chrysler Plymouth of a “jump” – Luckily I lived to tell the tale of the Chrysler Plymouth Where you are and what you need to retire creates vision. When…
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Most of the benefits from the Tax Cuts and Jobs Act of 2017 will expire in 2025. What is your plan to take advantage of these benefits? Did your eyes just gloss over from not understanding what we are talking about? It’s ok that you don’t understand every word and statute within TCJA – Where you start to get in to trouble is if you don’t understand…
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What are you putting into place right now should your spouses life come to an end? The "Difference-maker" is having a support network of people who can speak objectively into your life and have professional sense to what they are speaking to. Having a professional(s) assist in your life planning does not mean that you are ignorant or somehow less t…
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Loss of a loved one is hard. Add to that loss any sort of stress or catastrophe and loss and grief can be exacerbated to a near debilitating level. UNLESS. You can laugh. The emotional intelligence to be able to laugh one minute and cry the next is what is currently helping Telton and his mom through the loss of their dad/spouse. At the passing of …
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Karen was divorced and then remarried to Dax. Her 2nd husbands kids were estranged but she felt like she needed to help keep the kids informed. NOT EASY. But the right thing to do. She stepped in where she felt she good and from the fruits of her stepping into her uncomfortability one son had a change of heart came back – allowing her to have the p…
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You open your mouth and say something to your kids that you immediately regret. Luckily, this story has a funny ending. I don't live in regret, but I do look back at my life and wonder "Why didn't I do this or that differently?" Some regrets are big ones others are just lessons I needed to experience in order to learn and grow. Most of the clients …
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“When you try to be everything to everyone, you accomplish being nothing to anyone.” — Bonnie Gillespie Neill is a Master Certified Life Coach through The Life Coach School, specializing in Time, $$, and Business. She is the host of The Unbusy Your Life podcast (https://www.neillwilliams.com/podcast) and creator of the $10K in 10 Hours Mastermind. …
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10 hours a week of work. Seems impossible. But what if it wasn't. What if you could work less hours but accomplish more than you do now? It doesn't happen overnight. It isn't easy. BUT IT IS POSSIBLE! Neill is a Master Certified Life Coach through The Life Coach School, specializing in Time, $$, and Business. She is the host of The Unbusy Your Life…
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Here's another lesson from my dad One of the hardest things to do is be vulnerable and not allow ourselves to be taken advantage of. We want to be sincere and authentic. Are you getting what you want or are you putting yourselves in a position someone could try and get the better of you? Find out more about the Retire Confidently Program Purchase T…
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Retirement is possible. People do it every day. You will do it. In one way or another it will happen – the real question is: What do you want it to look like? Once you believe YOU CAN retire – the only question left is - What do you want it to look like? Assigment: Write down 3-5 things that are hard for you to believe Find out more about the Retir…
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You aren’t alone. It doesn’t matter the financial level you are at – people feel all of these feelings. People who have felt like you have felt like you retire all the time. The important thing is to not give up there, stay there, and never learn to do anything different. The best time to start funding your retirement was 20yrs ago. The second best…
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This weeks episode is a different kind of episode as I am mourning the loss of my dad. I miss my dad and the lessons that he taught me. BUT. I love that his lessons continue to teach me (and in turn you) week after week as we share those lessons here on the podcast. We can busy, doing the right things, but if its not focused – we might be doing the…
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Looking at your social security, your pension, an annuity, retirement incomes is it possible to have retirement to come to you sooner than you thought? It’s important to have a professional in your corner so you don’t make a mistake that could cost you thousands of dollars, or worse, mean that you have to return to the workplace after retiring. ***…
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Is there another alternative to your current mindset? The opposite of being a victim is being a creator. Can you take ownership of everything that is going on in your life? Say – Like your retirement? Find out more about the Retire Confidently Program Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World Telt…
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Matt lives in St. George, Utah where he and his wife Chris are enjoying their life with each other. Since their kids have grown and moved out perusing their dreams Matt and Chris travel the world. They want to visit 200 countries before the are done. Matt and Chris are active in their community and enjoy working out, training for marathons, and spe…
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Matt lives in St. George, Utah where he and his wife Chris are enjoying their life with each other. Since their kids have grown and moved out perusing their dreams Matt and Chris travel the world. They want to visit 200 countries before the are done. Matt and Chris are active in their community and enjoy working out, training for marathons, and spe…
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When it comes to Social Security - there are many approaches. If you are a small business should you become an S-Corp or make a W-2 Wage that you can put a higher percentage into a SEP IRA? Did any of that make sense or have your eyes glossed over? Let me explain it to you, walk along side you and teach you what you need to Retire Confidently. Find…
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There is a time and a place for all things. Even annuities. You want a Financial Planner that teaches you ALL the options and lets YOU make the decision. Let us walk alongside you, teach you all the options, and help you make the BEST decisions for you. Find out more about the Retire Confidently Program Purchase The Secure Solution: Creating a High…
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I have engaged in THOUSANDS of successful retirement planning sessions with real-life everyday people just like you. I’ve walked with these wonderful people through the Financial Meltdown of 2008. We’ve navigated together the Greek Debt Crisis, 2010 Flash Crash, China Trade Wars, COVID Debacle, Crazy Inflation, Russia Attacking Ukraine, Recessions,…
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If someone asked you that question - What would you say? We want to help people be able to answer that question with a resounding YES! Don't let money troubles or even simple questions hold you back from what you were meant or called to do. Find out more about the Retire Confidently Program Purchase The Secure Solution: Creating a High-Quality Reti…
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This week I decided I would issue you a challenge. The Challenge: Do something today that you enjoy and let yourself enjoy it. Take the extra moments you need to recognize how great that particular task or moment is. Let yourself do it until you can say “I’ve never felt so alive” Find out more about the Retire Confidently Program Purchase The Secur…
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What is the difference between a ROTH IRA and a Traditional IRA? Do I qualify for a back door ROTH? Do I even want to do a back door ROTH? So many questions about retirement - How can I be sure I have enough net income to even HAVE a retirement? Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World Telton W H…
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No one gets married to get to divorced. Much of the divorce process is confusing and hard to understand. Even fewer people understand what type of Social Security benefits you can get when you retire AND far less know that you can lay claim to some of your Ex-Spouses Social Security benefits. But how do you know if you qualify? When do you claim th…
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Recording a podcast can be difficult. Normally the difficult thing is preparing what I am going to say that will make a difference in your life to make it worth your time to listen. Other times it becomes challenging to be a podcaster when other aspects of my business are really taking a lot of focus or my family needs me to be more present - so ev…
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Most of my episodes I like to tell you a story and then tell you what I have learned from that story. I decided to do it a little different this week. I decided to tell you the story and let YOU take the lesson away from it. I feel like there is more than one application or lesson that could be learned BUT I want to hear from you and what you learn…
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Everyone has a vision of what their specific retirement should look like. It's different from others because you are different, your experiences are different, and your expectations are different. But retirement isn't something you just fall into, you have to make choices. Choices for you that will literally change your future life. Purchase The Se…
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Step 1 Trust if the economy is still there you need to be invested Step 2 Trust in Strategy - In good times and bad times Step 3 Trust (Have confidence) to invest in those strategies Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World Telton W Hall, CFP® is a husband, father, retirement planning expert, sma…
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The story of a widow that wants to help out her children financially. Telton is helping her with surviving spouse planning. She wants to give money to her kids to help them out but financially it may not be smart for her retirement. Will she have enough? Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World T…
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The story: John and Sue and battling negativity with a transformation of the mind. Question: How can we move from a place of negativity to one of a positive mindset? In our culture we have a lot of negativism. Sue didn't like her living arrangements and decided she needed a transformation of the mind to look at the positive. What happens next MAY s…
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Telton continues the discussion with Claudine Sweeney or "Coach Claudine." Claudine shares how she helps empty nesters discover themselves and how the second half of life can be the best half. Claudine invites listeners to download her 5 Power Thoughts to Retire Confidently. Go to claudinesweeney.com/telton Purchase The Secure Solution: Creating a …
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Telton hosts Claudine Sweeney or "Coach Claudine." They discuss the power of thoughts and how to think ON PURPOSE. Claudine is a master life coach and can be reached at claudinesweeney.com. Purchase The Secure Solution: Creating a High-Quality Retirement in a Low-Interest-Rate World Telton W Hall, CFP® is a husband, father, retirement planning expe…
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