Best Scott Sierens Podcasts (2024)

1
Retirement Half-Truths! 20:40

16d ago20:40

20:40

We hear a lot of half-truths in the financial world. This isn’t necessarily because people try to make misleading statements, but because sometimes a simple statement just doesn’t quite tell the whole story. Listen in as Scott shares a few examples that show that, while common financial advice can be helpful, it's important to dig deeper and unders…

1
Estate Planning Essentials with Attorney Lauren Jackson 1:24:42

2M ago1:24:42

1:24:42

We're thrilled to welcome Lauren Jackson, an experienced attorney based in Illinois, to our podcast today! With over two decades of legal expertise, Lauren specializes in real estate, estate planning, and probate law. Today, she's here to demystify the world of estate planning and offer invaluable insights to our listeners. Here’s some of what we d…

1
Do I Need Life Insurance in Retirement? 35:34

2M ago35:34

35:34

Do you need life insurance once you’ve retired? We get this question all the time in our office. And, as with most things in financial planning, the necessity of it depends on your situation. So, in today’s video, Scott is here to share some examples of why one would or would not need life insurance in retirement. Here’s some of what we discuss in …

1
Social Security Fact or Fiction 31:10

3M ago31:10

31:10

Navigating Social Security can feel confusing. With a sea of information out there it’s hard to discern what’s fact and fiction. In this episode, Scott addresses five common statements about Social Security and breaks down whether they’re true or false. Here’s some of what we discuss in this episode: 0:00 – Intro 1:04 – Average retirement spending …

1
Retiree Regrets 31:45

3M ago31:45

31:45

Many of us have experiences that we regret. How can we avoid these feelings in our retirement years? In today’s episode, Scott shares common retiree regrets and practical strategies to sidestep them. Here’s some of what we discuss in this episode: 0:00 – Intro 7:13 – Waiting too long to retire 9:01 – Not having goals and a purpose in retirement 13:…

1
Market Risks, Generational Wealth & Happiness in Retirement 37:47

4M ago37:47

37:47

In this episode, Scott is going to share some of the wisdom he gained from AE Wealth Management’s Wealth Elite Symposium he recently attended in Nashville, Tennessee. This event featured esteemed speakers from Schwab, former writers for the Wall Street Journal, experts from Fidelity, and more. Listen in as Scott shares his takeaways on market risk,…

1
Market Highs, Elevated Interest Rates & Your Retirement 36:08

4M ago36:08

36:08

In today’s financial landscape, the market has been hitting new highs and interest rates remain at elevated levels. You might have even heard some of the buzz surrounding the Federal Reserve and interest rate adjustments. We’re here to bring some clarity to the question on many investors’ minds: What does all of this mean for my investments and ret…

1
The Retirement Hazard Zone 32:42

5M ago32:42

32:42

In today’s episode, we’re going to discuss the retirement hazard zone. This is the 10 years leading up to retirement and the first decade of retirement itself. Listen in Scott compares this period to driving through a construction zone, focusing on the need to slow down, think differently, and be prepared for the unexpected. Before we jump in, Scot…

1
Max out your 401k for Retirement First? Or, Consider Other Investment Options First? 33:59

5M ago33:59

33:59

Are you considering maxing out your 401(k) but unsure what to do next? We face this question all the time at the Sierens Financial Group so today we’ll explore if it’s wise to max out your 401(k) before investing anywhere else. Here’s some of what we discuss in this episode: 0:00 – Intro 2:44 – What’s on today’s show 4:33 – What’s in the news right…

1
2024 Tax/Retirement Changes & Strategies 28:51

6M ago28:51

28:51

In today’s show, we’re going to share some crucial changes and strategies that will help you navigate your financial landscape in 2024. Scott will break down the latest adjustments you need to be aware of, from increased standard deductions to updates in Social Security and Medicare. We’ll also share some strategic tips and tactics to position your…

1
Tax Loss and Tax Gain Harvesting, Roth 401K Rules, Federal and State Tax Withholdings - Mailbag 32:06

6M ago32:06

32:06

We’re sharing this month’s mailbag episode a bit early, but we have 3 great listener questions lined up for today’s show! Miyuki asks if Scott can explain more about tax harvesting and how to take advantage of a stock loss. Lauren asks about the tax consequences of withdrawing from the Roth side of her 401(k) after 2023. Click play to see what you …

1
The Good, Bad & Ugly of How Technology Is Changing Retirement Planning 25:45

7M ago25:45

25:45

From 24/7 TV channels dedicated to economic news to artificial intelligence, have the advancements in technology made you a financial guru or just more confused? Today, we’ll explore how technology is reshaping financial planning, for better and for worse. Here’s some of what we discuss in this episode: Google is a powerful tool for immediate infor…

1
Patience Pays: The Power of Delayed Gratification 24:16

7M ago24:16

24:16

In a world where technology has placed instant gratification at our fingertips, it can be hard to make financial sacrifices when the reward might not be seen until several years in the future. Today we’ll talk about some of the situations where you might be inclined to take the immediate benefit, when you should really consider the delayed rewards……

1
Social Security Penalties, Saving on Rollercoaster Income, Keep the Company Stock – Mailbag Episode 21:50

7M ago21:50

21:50

It’s the last week of the month, so you know what that means! We’re back with a new mailbag episode. We’ve got some great listener questions lined up for you today, so stick around to see what responses and strategies might apply to your situation and help improve your financial picture. Here are the questions we answer in this episode: I retired l…

1
The Future of Retirement In America: Is The Glass Half Full or Half Empty? 26:43

7M ago26:43

26:43

Are we on the brink of a retirement renaissance or stormy seas ahead? In this episode, we jump into the pressing issues of Social Security, taxes, and the stock market. Whether you're an eternal optimist or cautious pessimist, this episode will equip you with perspectives to plan your retirement years with confidence as we ask the longstanding ques…

1
Overlooked Retirement Planning Topics 24:39

8M ago24:39

24:39

The retirement planning world is filled with plenty of advice and suggestions, but there are critical questions lurking in the shadows – the unasked, the overlooked. These are the questions that can help define the comfort and security of your retirement future. In this episode, we unearth and tackle these essential questions about retirement. List…

1
Financial Tweaks that Matter: Small Steps, Big Retirement Impacts 26:48

8M ago26:48

26:48

Ever thought that minor tweaks in your financial plan could lead to major wins? In this episode, we're exploring the surprisingly powerful world of simple financial adjustments. This episode is filled with straightforward changes that you can put into action now to generate positive effects on your financial life. Here’s some of what we discuss in …

1
Universal Retirement Truths 24:04

8M ago24:04

24:04

Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree? Dive deep in this episode, where we juxtapose the individuality of retirement plans with the foundational principles that remain consistent across th…

1
Use 401k or Alternative, Lump Sum or Stretch Out, Deductions for Charitable Gifts – Tax Mailbag Episode 31:03

8M ago31:03

31:03

We’re back for our third and final week of answering listener questions about year-end tax planning. These episodes are a unique opportunity for you to gain insights from real-world scenarios and inquiries shared by our listeners. In this installment, we're delving into the crucial concept of tax diversification, exploring methods to optimize your …

1
IRMAA & Roth Conversions, Filing Separately, Lump Sum Withdrawals, Unexpected Income – Tax Planning Mailbag 33:23

8M ago33:23

33:23

Today, we're diving into the listener mailbag once again, to answer your questions on tax planning and strategies for the year ahead. As we approach the end of the year, it's crucial to get your financial ducks in a row so that you can keep more of your hard-earned money. Scott offers valuable insights on whether to file taxes jointly or separately…

1
Roth IRA vs. Roth 403B, Is HSA a Fit, Reduce Tax on $1million + IRA – Tax Planning Mailbag 32:03

9M ago32:03

32:03

As we move into the fourth quarter of the year, let’s take a little time to focus on year-end tax planning. We’re opening up the listener mailbag and pulling out questions asking specifically about taxes and tax planning. We’ll be taking strategies and opportunities discussed last episode and apply them to certain real-life situations. No matter wh…

1
Year-End Retirement & Tax Planning 34:43

9M ago34:43

34:43

As we move into the fourth quarter of the year, now is the time to be looking ahead and determining what year-end tax planning and retirement planning opportunities and strategies might be available to you. Evaluating where you are today and making the necessary changes can have a very positive impact on your financial position moving forward. Rega…

1
Pension Selection, Challenges of Age Gaps, The Forgotten Costs – Mailbag Episode 31:18

9M ago31:18

31:18

In today’s show, we’re going to open up the listener mailbag and answer questions about pension selections, questions about the challenges you could face if there’s an age gap between you and your spouse, and then discuss the hidden costs you might not be seeing in your retirement income. Each of these questions we’ll tackle today cover pretty comm…

1
Understanding RMDs: A Guide for Retirees & Pre-Retirees 29:22

9M ago29:22

29:22

In today's episode, we delve into a critical aspect of retirement planning that can significantly impact your financial future – Required Minimum Distributions (RMDs). Whether you've stashed your savings in a 401(k), 403(b), 457, IRA, SEP IRA, or simple IRA, understanding RMDs is crucial, especially if you're approaching your seventies. Join us as …

1
Do you pay tax on an inheritance? 30:58

10M ago30:58

30:58

Are you expecting an inheritance, or planning to pass down assets to your loved ones? It's crucial to understand the potential tax implications that come with it. In this episode, we’re diving deep into the world of inheritance taxes. Key discussion points in this episode: If you inherit real estate, the property's value is adjusted to its current …

1
Important Ages on the Retirement Journey 26:43

10M ago26:43

26:43

Many say that age is just a number, but when it comes to retirement planning, age means much more than that. Join us in this insightful episode as we delve into the world of financial milestones that can significantly impact your retirement planning. From age 50 to 75, we uncover the strategies, opportunities, and pitfalls tied to these pivotal yea…

1
Move to Cash, Retirement Travel Spending, Real Estate & Taxes, Mortgage Tax Deduction – Mailbag Episode 35:47

10M ago35:47

35:47

We’re back with another mailbag episode today! Join us as we tackle a range of topics- from navigating investments during significant life changes to figuring out a retirement travel spending amount, this episode covers a lot of ground. Scott is here to answer your questions, so stick around to see what you can learn. Here are the questions we’ll a…

1
Inflation, Recession & Retirement Impacts 34:41

10M ago34:41

34:41

Recent headlines are buzzing with talk of inflation, recession, and their potential impact on your retirement plans. Should you be concerned? In this episode, Scott takes you through a comprehensive breakdown of these headlines and what they truly mean for your financial future. By understanding how inflation, recession, and Social Security interpl…

1
Ways the Richest Americans Avoid Taxes 32:09

11M ago32:09

32:09

Scott recently came across an article that discussed 8 ways the richest Americans avoid paying taxes. While many might think that these strategies wouldn’t apply to their financial situation, we’re going to discuss how you can apply these tactics to potentially reduce your taxes. Stay tuned as Scott breaks down these 8 strategies! Here are the 8 st…

1
3 Overlooked Issues that Could Sink Your Retirement 27:21

11M ago27:21

27:21

In today’s episode, we’re diving into three often underestimated issues that could significantly impact your retirement plan. With valuable insight and practical strategies, Scott sheds light on how to overcome these challenges and secure a smoother financial future. Here are some key takeaways from this episode: Longevity's Wake-Up Call: Drawing f…

1
Resolving Retirement Sources of Tension Between Couples 25:27

11M ago25:27

25:27

Money can't buy love, but it can certainly start some spicy debates between you and your better half. In this episode, we explore five money minefields that can test even the most solid relationships in retirement. Listen in as Scott shares some tips on how to resolve some of these common financial sources of tension and emphasizes the importance o…

1
Retire to Escape a Bad Job, Downsize Prior to Retirement, Gifting Now or Later, No Financial Worries – Mailbag Episode 24:12

11M ago24:12

24:12

We’re back with another mailbag episode for today’s show! We’re here to answer financial questions from listeners just like you. Stick around and see what strategies you can learn from today’s show. Eddie is 62 and hates his job but is making a great income. He asks if it would be a mistake to walk away from this job before retirement. Catherine as…

1
Retirement Fears, Contribute During Recession, Banking On An Inheritance – Mailbag Episode 25:36

12M ago25:36

25:36

The journey to retirement can be turbulent, but with the right tools and knowledge, you can navigate this path with confidence. In today’s mailbag episode, we answer some listener questions about handling retirement contributions, fearing a recession, and banking on an inheritance for your retirement. Tune in as Scott discusses the importance of pl…

1
Not Your Parents' Retirement 18:30

12M ago18:30

18:30

Who are you learning from when it comes to making sure your retirement plan is successful? If you’re of the age that your mom and dad retired 20 or 30 years ago, the world was a much different place when they walked away from their paychecks. Let’s talk about how things are different now… Here's what we’ll discuss in this episode: It’s okay to work…

1
Why You Should NOT Invest In A 401(k) 23:19

12M ago23:19

23:19

Don’t get us wrong. In many cases, your 401(k) can be your best investment vehicle, offering numerous benefits and tax advantages and many times a 100% return on some of your contributions (also known as an employer match). However, it's important to recognize that it might not always be the optimal choice for everyone. Join us in this thought-prov…

1
High Fees, Taxes on Social Security, Roth Alternatives, Keep or Sell the Farmland – Mailbag Episode 23:59

1y ago23:59

23:59

It’s the last week of the month, so we’re diving into the listener mailbag for today’s episode! Tune in as Scott answers some listener questions that have recently been sent into the show and see what knowledge you can gain from them. Stick around, because these strategies could be useful for your life or help you avoid financial mistakes in the fu…

1
Do You Need Life Insurance In Retirement? 33:27

1y ago33:27

33:27

We commonly get asked if life insurance is needed in retirement. With many advertisements and commercials emphasizing the importance of life insurance, this can be an understandably confusing topic. So, in today’s episode, we’re going to talk about the purpose of life insurance, explore the circumstances that warrant its need, and discuss what you …

1
How Do I Get More Tax-Free Money? 23:47

1y ago23:47

23:47

Who wouldn’t want extra cash in their pocket without having to pay taxes to the IRS? In today’s episode, Scott dives into the topic of getting more tax-free gains and shares valuable strategies for growing your wealth without paying hefty taxes. From contributing to a Roth 401(k) or SEP Roth to utilizing the backdoor Roth IRA process, Scott provide…

1
5 Big Money Mistakes In Retirement Planning 30:20

1y ago30:20

30:20

No one enjoys making mistakes, as they can result in wasted time and money and cause significant stress and frustration. In the complex world of retirement planning, there are countless pitfalls one could fall into if you aren’t properly prepared. In this episode, we’re going talk about the top 5 money mistakes that Scott often sees in retirement p…

1
Can I work and Collect Social Security? Will There Be a Penalty? 25:08

1y ago25:08

25:08

In this episode, we dive into a common question: Can you work and receive a wage income while collecting Social Security? The answer may surprise you, as it's yes, maybe, and no. Join us as we explore each response in detail, discussing whether your benefits would be reduced and uncovering ways to reclaim any deductions. Additionally, we'll discuss…

1
Ep 105: Paying Off the Mortgage, Convincing a Spouse to Retire, Taxes on Inheritance - Mailbag Episode 33:33

1y ago33:33

33:33

In today’s episode, we continue discussing and answering listener questions we’ve received. Scott will answer questions on paying off your home mortgage, navigating retirement discussions with your partner, and leaving behind an inheritance for your children. Listen in as you may find yourself asking a similar question, in a similar scenario, or ab…

1
Are You Planning For THIS Retirement Cost? 23:34

1y ago23:34

23:34

Effective retirement planning involves not only knowing your sources of income, such as Social Security but also having a clear understanding of the expenses that will be incurred from that income. It's very important to consider all potential costs to ensure a comfortable retirement. In Scott’s experience, there is one cost that many individuals t…

1
Ep 103: Eye-Opening Results of the 2023 Retirement Confidence Survey 35:47

1y ago35:47

35:47

In today's episode, we are going to look at the results of the 2023 Retirement Confidence Survey. Join us as Scott unpacks these surprising statistics, shares his takeaways, and reveals the insights they provide when it comes to retirement planning. Whether you are nearing retirement or have already retired, this episode is packed with valuable inf…

1
Ep 102: 7 Pre-Retirement Tax Questions in 2023 26:59

1y ago26:59

26:59

Retirement can come with a lot of tax questions and concerns. From understanding the tax implications of withdrawing from your retirement accounts to minimizing taxes on investment income, it can be overwhelming. In today’s episode, we’ll break down the 7 tax questions that people approaching retirement are asking. Here are a few lessons that we’ll…

1
Ep 101: Roth Income Limits, Roth Conversions, Extra Savings And Spousal Social Security - Mailbag Episode 23:49

1y ago23:49

23:49

We’re going to dive into some listener questions today! In this mailbag episode, we’ll discuss the differences between Roth conversions and Roth contributions and clarify which of these options have income limits. We will also explore what to do if your 401k contributions are already maxed out. We’ll then wrap up with an insightful discussion on sp…

1
Ep 100: 10 Lessons From Successful Retirees 34:06

1y ago34:06

34:06

To celebrate our 100th episode of the podcast, we’re going to share 10 lessons from retirees to help you and your retirement plan. These tips will help you build wealth, reduce stress during the planning process and retire with confidence. So, whether you’re retired or not, this episode will be packed with valuable lessons for folks of all ages. He…

1
Ep 99: Is A 401(k) The Right Savings Tool For Retirement? 26:25

1y ago26:25

26:25

When it comes to saving for retirement, many people automatically turn to the 401(k) as their go-to account. But is it really the best option for everyone? While the 401(k) is certainly a powerful tool, it may not be the best choice for all your retirement savings. In this episode, we'll explore the pros and cons of 401(k) plans and introduce alter…

1
Ep 98: Financial Planning Considerations When Between Jobs 24:37

1y ago24:37

24:37

Finding yourself between jobs can be frustrating. Whether you were fired, laid off, or just had to step away of your own choosing, change can feel challenging, but can also present exciting opportunities. In today’s episode, we’re going to talk about changing careers and cover five financial planning considerations when transitioning into a new job…

1
Ep 97: Inheritance Distributions, Combining 401ks, Investing for Inflation & Retirement – Mailbag Episode 30:22

1+ y ago30:22

30:22

In this episode, we’re opening up the listener mailbag to answer questions about distributions that you might need to take from an inheritance, combining old 401ks into an IRA, and how to invest for inflation and how to invest if you’re on the doorstep of retirement. Here’s some of what you’ll learn on this episode: An explanation of what inflation…

1
Ep 96: Are You Ignoring The Impact Of RMDs On Your Retirement? 30:05

1+ y ago30:05

30:05

Did you know the government is going to force you to take money out of some of your retirement accounts as you get older, even if you don’t want to? In today’s episode, we talk about what required minimum distributions are, why they exist and when they might start for you. Ignoring them could lead to major taxes issues down the road that might be d…

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