Best Jim Cipriotti Podcasts (2024)

1
The Risks of Picking Individual Stocks 26:35

15h ago26:35

26:35

Jim Ciprioti discusses the importance of diversification in retirement planning and the risks of picking individual stocks. He highlights the volatility of the market and the potential for investments to lose value. Ciprioti also emphasizes the benefits of annuities and the need for guaranteed income in retirement. He advises listeners to review th…

1
Do the math before paying off debts 25:22

8d ago25:22

25:22

How do you define financial independence and how to achieve it? Jim Cipriotti highlights the importance of considering tax implications when making financial decisions, such as paying off a mortgage. The conversation emphasizes the need for comprehensive retirement planning, including evaluating income sources, estimating expenses, and considering …

1
The Dilemma of 401k Millionaires 25:56

15d ago25:56

25:56

The rise in 401k millionaires brings a common dilemma: whether to keep investing in the stock market or transfer profits to less volatile investments. Jim narrates a story of a couple worried about their retirement funds who managed to get a better payout rate with an annuity. Additionally, the significance of managing budgets and expenditures duri…

1
The clock is ticking on the so-called Trump tax cuts 22:54

19d ago22:54

22:54

Jim Cipriotti discusses the impending expiration of the Trump tax cuts and its potential effects on retirement planning. He highlights the significance of accounting for taxes in retirement strategies and examines the advantages of Roth IRAs and Roth 401(k)s. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every …

1
The Dangers of Market Timing 27:45

22d ago27:45

27:45

The dangers of market timing and the importance of preparing for potential reductions in Social Security benefits. Jim Cipriotti emphasizes the negative impact of trying to time the market, and the need for proactive planning and suggests exploring other sources of income to supplement potential reductions in Social Security benefits. Catch Freedom…

1
Finding a middle ground for retirement saving 28:57

29d ago28:57

28:57

The current state of the stock market, its potential impact on retirement savings, and the implications of recent stock sales by notable individuals. Jim Cipriotti will also discuss the possibility of a market crash, the advantages of Roth IRAs, and the importance of effective tax planning for retirement. Catch Freedom To Retire with Jim Cipriotti,…

1
Some insight about annuities and your financial future 23:57

1M ago23:57

23:57

The fear of depleting funds during retirement ranks as the top concern, with annuities playing a potential role in mitigating this issue. Jim Cipriotti also touches on the unfavorable views of annuities held by stockbrokers and the enhancements in annuity features and fees over time. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Rea…

1
Navigating the Excitement and Risks of the Stock Market 25:34

1M ago25:34

25:34

Are you watching the stock market and wondering how it affects retirement funds? Jim will also talk about the conflicting feelings that can be associated with the growth of account balances and the apprehension of a possible market downturn and how to adjust for whatever happens. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready F…

1
Strategies for Generating Retirement Income 24:06

1M ago24:06

24:06

We all have the necessity of assured income, Jim Cipriotti of Retire Ready Financial Group will explain methods for devising retirement income strategies, the effects of government expenditure on taxation, and the role of Roth IRAs in tax planning are all critical considerations. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready F…

1
The 2 types of tax systems in America 23:17

1M ago23:17

23:17

Jim Cipriotti of Retire Ready Financial Group delves into the importance of informed decision-making, tax planning, and the impact of retirement account balances on taxes. Additionally, it explores the significance of sustainable income, investment choices, and the potential for financial growth through strategic planning. Catch Freedom To Retire w…

1
The Benefits of Annuities in Retirement 21:50

2M ago21:50

21:50

Jim Cipriotti of Retire Ready Financial Group discusses the concerns and misconceptions surrounding annuities as a source of guaranteed income in retirement. He addresses the fear of outliving assets, the desire for principal protection, and the need for additional monthly income. The stigma around annuities is demystified by addressing common conc…

1
Maximizing Tax Strategies for Retirement Savings 24:19

2M ago24:19

24:19

In this conversation, Jim Ciprioti discusses retirement planning and investment strategies. He emphasizes the importance of considering interest rates and inflation when making investment decisions. He also highlights the benefits of investing in Roth accounts and provides insights on tax strategies for retirement. Jim encourages listeners to seek …

1
Common Mistakes in Retirement Plans 24:56

2M ago24:56

24:56

A new study from Vanguard shows that more people than ever are setting aside money in their retirement accounts at increased levels. The average balance in retirement accounts has gone up by 19% however, retirement planning goes beyond just looking at investment account balances. It is important to consider other factors such as health, taxes, and …

1
Is the 'Sell in May and Go Away' Strategy Still Relevant? 26:46

2M ago26:46

26:46

Jim Cipriotti of Retire Ready Financial Group discusses the strategy of "Sell in May and Go Away' and whether it still holds water in today's market. He analyzes historical data and concludes that sitting out of the market from May to October can result in higher returns and lower volatility. However, he suggests that instead of sitting out of stoc…

1
The Impact of Interest Rates on the Economy 22:50

2M ago22:50

22:50

Jim Cipriotti covers topics related to the economy, interest rates, investments, and estate planning. Today we discuss the impact of interest rates on the economy and businesses, as well as the effect on real estate and mortgage refinancing. Jim will also emphasize the need for estate planning to ensure assets are protected and distributed accordin…

1
Don't Let Negative News Affect Your Investment Choices 25:09

2M ago25:09

25:09

Jim Cipriotti discusses the importance of having a retirement plan and not letting negative news affect investment choices. He emphasizes the need for a dependable source of monthly income in retirement and the potential risks of relying solely on Social Security or traditional investments. Jim introduces the concept of using modern-day annuities t…

1
Optimizing Retirement Income through Tax Planning 43:46

2M ago43:46

43:46

How does the current state of interest rates have an impact on retirement planning? Jim emphasizes the importance of having a well-balanced investment portfolio and explores alternative investment options outside of traditional 401(k) plans. He addresses common misconceptions about retirement planning and offers insights on how to make money work h…

1
Your 401(k) Is Not Your Retirement Plan 43:51

3M ago43:51

43:51

Sure, it can be a major component of it. But how do you take that money that you've saved for all these years and actually turn it into sustainable income in retirement? Jim talks about the additional components you'll need on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group ever…

1
Will You Work Forever? 43:12

3M ago43:12

43:12

And if you said "yes," then... why? Jim talks about why so many people may be in better financial shape than you thought on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM and Sunday at 5:00 PM ET on WPHT. For more information and to schedule a complime…

1
Spring Cleaning Your Investments 54:33

3M ago54:33

54:33

No, not sweeping those unsightly accounts under the rug, but there could be a lot of value in consolidating 401(k)s, 403(b)s, and all the alphabet soup you may have in your portfolio. Jim discusses on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM and …

1
How To Give Yourself a Pension-Like Income 41:10

4M ago41:10

41:10

Even if you don't have a pension option at your job. Jim talks about the importance of consistent sources of income in retirement and how to create them on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM and Sunday at 5:00 PM ET on WPHT. For more inform…

1
What's the Right Withdrawal Strategy In Retirement? 35:29

4M ago35:29

35:29

Two different financial media personalities have recently weighed in on this subject, and their opinions are vastly different. Jim talks about which one (if either) is right on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM and Sunday at 5:00 PM ET on …

1
Do You Want Your Retirement To Be Average? 34:26

4M ago34:26

34:26

There's lots of media that talk about "The average retirement this, the average retirement that..." but wouldn't you rather have a retirement that's more than average, that's suited specifically for you? Jim talks about how much weight we should give these financial rules of thumb on this episode of Freedom to Retire. Catch Freedom To Retire with J…

1
How Reliable Is the 4% Rule? 46:21

4M ago46:21

46:21

Spoiler: not very. Jim Cipriotti breaks down this decade's old rule of thumb, and discusses a better mindset when it comes to withdrawing from your savings on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM and Sunday at 5:00 PM ET on WPHT. For more inf…

1
What's Missing From 401(k)s? 49:39

4M ago49:39

49:39

This coming from Ted Benna, the "father" of the 401(k). Jim discusses Ted's statement, and how it can be remedied on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM and Sunday at 5:00 PM ET on WPHT. For more information and to schedule a complimentary c…

1
What Does Delaying Your Retirement Get/Cost You? 46:13

5M ago46:13

46:13

There are many out there who have the means to retire, but choose to delay it for one reason or another. Jim talks about the pros and cons of making that decision on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM and Sunday at 5:00 PM ET on WPHT. For m…

1
What Does Retirement Actually Mean? 46:23

6M ago46:23

46:23

Only half of pre-retirees think their retirement will go smoothly, and only a third say it actually is. The biggest challenge? The transition to no longer being in the working world. Jim discusses his experience helping people make that transition over the past 25 years on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriott…

1
Death, Religion, Politics, or Money? 46:49

6M ago46:49

46:49

Which would you want to talk about the least? Jim Cipriotti discusses why people are so hesitant to talk about their personal finances, and the importance of being able to do so (at certain times) on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM and S…

1
Making Sense Of the Nonsensical In Retirement 41:48

6M ago41:48

41:48

An economist is calling for "worst crash of our lifetime" later this year. And while that's speculation, there are certain things we know for sure: interest rates will come down this year, and taxes will go up after 2025. Jim Cipriotti talks about how to take advantage of the known (while also planning for the unknown) on this episode of Freedom to…

1
When Will Interest Rates Begin Coming Down? 43:45

6M ago43:45

43:45

And furthermore, is there anything we should be doing before that happens? Jim talks about why now might be the best time to lock in some of the rates that banks and other companies are offering on interest-related accounts on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group ever…

1
Managing Your Financial Expectations (and Resolutions) 44:52

7M ago44:52

44:52

Why do so many resolutions fail within the first month of the year? Simply put, they're too unrealistic. Setting smaller incremental goals, and celebrating those milestones, can go a long way to ensuring that success. So if your goal for 2024 is to get your retirement planning underway, a great first step is listening to this episode of Freedom to …

1
Driving and Saving: One And the Same? 29:19

7M ago29:19

29:19

Is there a correlation between how you drive and how you save for retirement? As millions of Americas get ready to hit the road for holiday travel, Jim discusses the similarities between safety on the road and safety in your retirement planning (and how to improve the latter) on the next episode of Freedom to Retire. Catch Freedom To Retire with Ji…

1
Tuning Out The Financial Noise 40:06

7M ago40:06

40:06

If you watch any of the financial channels on tv long enough, you'll hear contradictory messages, sometimes within hours or even minutes of each other! Jim talks about how to cut through all the financial noise and make sense of what affects you on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Read…

1
Looking Ahead (at Taxes) in 2024 40:53

8M ago40:53

40:53

As predictions are coming in for 2024, one thing we know for sure is that tax thresholds will be increasing across the board. What exactly does this mean, and will it help or harm investors going into the coming year? Jim Cipriotti explains on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Fin…

1
Freedom to ... Not Retire? 44:35

8M ago44:35

44:35

While everyone's retirement will look different, one thing that is fairly common is not wanting to *un-retire.* Yet there are those out there who want to continue working, or perhaps even go back to the workforce. And that's not a bad thing! Jim Cipriotti talks about this growing trend, and how it should be a matter of choice and not necessity on t…

1
Politics and Investing 42:52

8M ago42:52

42:52

We're now less than a year away from the 2024 presidential election. Should you dictate your investment strategy based on the outcome? Jim offers his thoughts on what to do leading up to (and following) the election on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturd…

1
Do Bonds Belong In Your Retirement Plan Once Again? 41:29

8M ago41:29

41:29

After a bad 2022, bonds have bounced back this year, with some of the highest yields since 2007. Does that mean it's time to go back in on bonds? Jim Cipriotti offers his thoughts on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For more i…

1
The Stress of Trying To Time the Market 37:58

9M ago37:58

37:58

What's better- timing the market, or time in the market? Jim discusses how to take the stress out of market performance and more on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. Learn more about Jim and his team at RetireReadyFG.com or on …

1
How To Know When You Can Retire (And Why You Should) 36:33

9M ago36:33

36:33

Why are you still working? Is it because you need to, or because you *think* you need to? Jim discusses how taking the time to develop a retirement plan could help you achieve those retirement dreams sooner than you might think on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group …

1
Caution Or Optimism: Insights on the market and your finances heading into 2024 35:24

9M ago35:24

35:24

Despite all the doom and gloom predictions surrounding the market heading into this year, it’s kept trudging along in a positive direction. Does this mean good things heading into 2024, or is there still reason to be cautious? Jim Cipriotti offers his thoughts on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered…

1
Finding Opportunity During Economic Uncertainty 31:05

9M ago31:05

31:05

While inflation seems to be dwindling, market volatility continues and interest rates are at a 22 year high. Despite these challenges, there are actually ways to use all this economic turmoil in our favor. Jim Cipriotti explains how on the next episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financi…

1
What Difference Does 1% Make With Inflation? 36:26

10M ago36:26

36:26

With all the talk of inflation (finally) cooling off, the Fed still seems intent on getting it to drop from 3% to 2%. Jim talks about what difference one percent actually makes, as well as what it could take for us to get there, on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group…

1
The Perils of Hidden Fees (and Auto-Pay) 32:26

10M ago32:26

32:26

Auto-pay is a great way to take care of your monthly subscriptions and bills without having to think about them… but sometimes that means forgetting about (and paying for) things you’re not even using anymore. Kind of like fees you may be paying for in your retirement accounts without even knowing about them! Jim talks about these hidden fees, and …

1
The Age Many Retirees are Overlooking 31:01

10M ago31:01

31:01

Before you clock out for the last time, before you collect your first social security check, before you even think about Medicare… there’s one age you should pay attention to as you approach retirement, and that’s 59 ½. Jim Cipriotti talks about why this age is so important, and why letting it go by without taking action could cost you thousands in…

1
Freedom to Spend Your Retirement Savings 40:17

11M ago40:17

40:17

A lot of changes (obviously) happen when you retire. You stop setting your alarm. Your commute disappears. And you begin spending the money you’ve spent your entire working career saving up. Jim discusses why that last one is often the most stressful change for new retirees, and how he’s helped people make the adjustment with confidence on this epi…

1
Leaving Your 401(k) Behind When You Switch Jobs 32:29

11M ago32:29

32:29

What should you do with your 401(k) when you change jobs? The conventional wisdom is to move the account, but there’s a new option that actually incentivizes leaving it with your former employer! Jim discusses the pros and cons of this option on this episode of Freedom to Retire. See omnystudio.com/listener for privacy information.…

1
Retirement Planning for Baby Boomers: How to Make Sure You're Prepared 32:42

11M ago32:42

32:42

Are you a baby boomer approaching retirement? If so, you're not alone. But many baby boomers are feeling behind the 8 ball when it comes to their retirement savings. Jim discusses the importance of having a comprehensive retirement plan that takes into account all of your income sources, such as Social Security, pensions, and investments. He also t…

1
How to Protect Your Assets from Unwanted Inheritance 28:39

11M ago28:39

28:39

In this episode of the Freedom to Retire podcast, Jim discusses the importance of estate planning, especially when it comes to protecting your assets from unwanted inheritance. He talks about the different types of trusts that can be used to keep your money in the hands of your loved ones, even if they get divorced or remarried. He also discusses t…

1
Roth 401Ks for High-Income Earners: Good or Bad? 34:47

12M ago34:47

34:47

In this episode hear Jim talks about the new tax law that will require high-income earners to make Roth 401K contributions instead of traditional 401K contributions. He discusses the pros and cons of this change, and offer advice for high-income earners who are considering making the switch. #babyboomer #financialplanning #socialsecurity #retiremen…

1
Retiree's Number One Mistake 30:00

12M ago30:00

30:00

If there was a glaring mistake in your retirement plan, when would you want to know about it? Jim Cipriotti talks about the number one mistake pre-retirees make, and how to avoid it, on this episode of Freedom to Retire. Catch Freedom To Retire with Jim Cipriotti, powered by Retire Ready Financial Group every Saturday at 9:00 AM ET on WPHT. For mor…

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