Giving Canadians everything they need to be ready for retirement
…
continue reading
Make sure you can Retire Ready with Kyle Hammerschmidt, the President of MOKAN Financial in Overland Park, KS. Kyle will teach you on each episode how to properly plan for retirement and your financial future. Learn about IRAs, 401ks, pensions, Social Security, and much more. Contact Kyle with any questions at https://mokanwealth.com or by calling 913-257-3991.
…
continue reading
Retire Ready Too podcast is dedicated to empowering and educating Generation XY and Small Business Owners to take control of their money to save more. invest smart and build wealth.
…
continue reading
Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.
…
continue reading
Planning for retirement is not a guessing game. Now is the time to plan! What have you done to protect yourself from another recession? Can you afford to ride the waves of a volatile market? When the paychecks stop but the bills keep coming, how are you going to maintain your lifestyle? For more than 30 years, retirement income specialist Steve Anzuoni of Fairway Financial, Inc has been using customized strategies to help people just like you build a successful retirement that includes guara ...
…
continue reading
Planning for retirement is a big deal, and it does take some time, strategy, and intentional action, especially if you’re in or nearing your fifties! Unfortunately, most people spend more time planning their yearly 1-2 week vacations than they do their 30+ year retirement. Then, the “How much money do you need to retire?” question starts to feel overwhelming and confusing. It doesn’t have to be that way. With Danette Lowe and the Ready to Retire podcast, you can take small, simple steps now ...
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Easing Sibling Tensions when Settling Your Parents Trust
19:42
19:42
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
19:42Losing both parents is a challenging time, and managing the family estate as the successor trustee can feel overwhelming—especially when sibling tensions arise. In this episode, Danette shares a step-by-step guide to settling an estate, from obtaining death certificates to distributing assets, and offers five practical strategies to ease sibling co…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Proactive Planning and Finding Purpose in Retirement
12:50
12:50
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
12:50Steve and Jessica discuss the critical aspects of retirement planning, emphasizing the importance of understanding personal financial needs and the necessity of having a clear plan. They explore how retirement is not just about financial security but also about finding purpose and fulfillment in this new phase of life. The conversation highlights t…
…
continue reading
In this episode we welcome special guest, Gradient Investments portfolio manager Keith Gangl. We delve into the potential economic fallout of escalating trade tensions. Gangl shares his insights on how tariffs could impact various sectors and offers strategies for investors to navigate this uncertain landscape. Tune in to gain a better understandin…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Understanding Annuities and Their Benefits
11:43
11:43
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
11:43Steve discusses the relevance of annuities in today's financial landscape, particularly in light of fluctuating interest rates. He explains the different types of annuities, their benefits for guaranteed income, and the importance of considering them for financial security in retirement. The conversation also highlights outdated retirement strategi…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Navigating Financial Uncertainty with New Leadership
15:35
15:35
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
15:35In this episode of the Ready, Retire radio podcast, Steve discusses the implications of new leadership on financial planning, particularly focusing on tax changes, social security, and guaranteed income options for retirement. He emphasizes the importance of long-term planning amidst short-term uncertainties and explores various strategies to secur…
…
continue reading
Get ready for changes to your tax bill! In this episode we break down the major tax law updates taking effect in 2025, from individual deductions to corporate tax rates. We'll help you understand how these shifts could impact your finances and what steps you can take now to prepare.De către Rob Kirvan
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Navigating Annuities: The Key to Guaranteed Income
16:23
16:23
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
16:23In this episode Steve discusses the importance of understanding annuities and guaranteed income, the concept of micro retirements, and the significance of financial planning for retirement. They explore how individuals can diversify their assets, drawing lessons from celebrities like John Legend, and provide insights into what to expect during a fi…
…
continue reading
In this episode, we delve into the intricacies of the Social Security Fairness Act, a proposed legislation aiming to address the rising costs of Social Security. We'll discuss the key provisions of the bill, including potential changes to benefit calculations, retirement ages, and taxation of benefits. Finally, we'll analyze the potential impacts o…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Mastering Tax Planning for a Secure Future
18:07
18:07
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
18:07In this episode, Steve discusses the critical differences between tax filing and tax planning, emphasizing the importance of proactive financial strategies. They explore how recent political changes may affect financial decisions, stressing the need to focus on controllable factors. The conversation also delves into the often misunderstood world of…
…
continue reading
In this episode, Rob welcomes special guest and financial advisor, Bill Altman. They dive deep into the political landscape and its potential impact on your finances in 2025. We'll discuss key tax policies that may change, analyze potential economic shifts, and explore investment strategies to navigate the evolving financial environment. Join us as…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Maximize Your Retirement Savings: New 2025 Contribution Limits and Strategies
8:21
8:21
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
8:21Send us a text This week on Retire Ready, host Kyle Hammerschmidt breaks down the latest updates and strategies to help you maximize your retirement savings. With big changes to contribution limits thanks to the Secure Act 2.0, it’s more important than ever to stay informed and plan ahead. 🎧 Highlights from the Episode: 🚀 2025 Contribution Limit Up…
…
continue reading
As 2024 comes to a close, we take a deep dive into the year’s biggest financial trends and lessons. From market shifts to emerging strategies, this episode provides valuable insights to help advisors and investors prepare for a successful year ahead. Don’t miss this opportunity to reflect, learn, and plan for the future!…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Top 5 Reasons to Do Roth Conversions Before Retirement With $1M+ In Retirement Savings
10:14
10:14
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
10:14Send us a text In this episode, Kyle, dives into one of his favorite tax planning tools: Roth conversions. If you’ve got over a million dollars saved in your retirement accounts, this could be the most impactful eight minutes of your week. Learn how Roth conversions can transform your retirement savings, offering benefits like tax-free withdrawals,…
…
continue reading
In this very special and fun episode, we talk about our favorite Christmas movies along with financial and life lessons.De către Rob Kirvan
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Social Security Secrets: What Every Soon-to-Be Retiree Should Know
13:00
13:00
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
13:00Send us a text Welcome to Retire Ready, the podcast that simplifies the complexities of retirement planning so you can confidently prepare for your golden years. Hosted by Kyle Hammerschmidt, this show dives into crucial topics like Social Security, retirement income strategies, and the decisions that can make or break your financial future. In thi…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Navigating Retirement: End of Year Strategies
19:03
19:03
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
19:03In this episode of the Ready, Set, Retire, Steve discusses essential end-of-year planning strategies for retirement, focusing on market predictions, the role of 401k as an income source, the importance of building a personal pension, and the benefits of Roth conversions. He emphasizes the need for guaranteed income in retirement and provides insigh…
…
continue reading
Rob welcomes very special guest, Tim Madden, a Detective with the Naperville Police Financial Crimes unit. They discuss financial crimes and what to look out for.De către Rob Kirvan
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Understanding the Taxation of Social Security Benefits: What You Need to Know
10:27
10:27
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
10:27Send us a text In this episode, Kyle dives into a critical yet often misunderstood aspect of retirement planning: the taxation of Social Security benefits. Many assume these benefits are tax-free, but the reality can be a costly surprise for retirees. Kyle breaks down the basics of Social Security taxation, explains how your income impacts tax thre…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Navigating Tax Strategies for Retirement
17:19
17:19
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
17:19In this episode, Steve discusses various strategies for retirement planning, focusing on tax strategies, the benefits of fixed index annuities, market trends, and the importance of balancing risk and income. He emphasizes the need for comprehensive planning to address longevity and healthcare costs, as well as the role of trusts in protecting asset…
…
continue reading
We've got a fun one for you! In this episode we talk about the top dos and don'ts for Thanksgiving gatherings, from what to bring to how to handle tricky family dynamics. Tune in to ensure a stress-free and enjoyable Thanksgiving for everyone!De către Rob Kirvan
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Navigating the Social Security Benefits Application Process
13:06
13:06
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
13:06Send us a text Podcast Description: In this episode of Retire Ready with Kyle Hammerschmidt, we’re tackling one of the most critical steps in your retirement journey: applying for Social Security benefits. Whether you're planning to claim at 62, hold out until 70, or fall somewhere in between, this episode has you covered with actionable advice. Ky…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Married 59: The Road to Retirement in 5 Years | Case Study
20:08
20:08
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
20:08Send us a text In this week’s episode, host Kyle Hammerschmidt dives into a detailed case study of "John and Mary," a married couple from Kansas, both aged 59, preparing to retire in five years. Kyle breaks down their financial landscape, including $1.7 million in tax-advantaged retirement accounts, Social Security strategies, and their goals of ma…
…
continue reading
Join us for a deep dive into the current market landscape with Mike Binger, president of Gradient Investments. Mike will share his expert insights on recent market trends, potential investment opportunities, and strategies to navigate through economic uncertainty. Tune in to gain valuable knowledge and actionable advice to protect and grow your wea…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Six Point Checklist: Hiring a Financial Advisor for Retirement
10:53
10:53
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
10:53Send us a text Planning for retirement is a journey, and choosing the right financial advisor is one of the most critical decisions you'll make. In this episode of Retire Ready, host Kyle Hammerschmidt unpacks the essentials for finding the perfect advisor to guide you through the complexities of retirement planning. 🔑 What You'll Learn: - The Six-…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Navigating Retirement: Challenges for Generation X
15:49
15:49
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
15:49In this episode Steve discusses the retirement challenges faced by Generation X, emphasizing the importance of financial planning and the role of financial advisors. They explore tax strategies for retirement savings, the significance of learning from financial mistakes, and the value of persistence in achieving financial goals. The conversation hi…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
5 Fun Ways to Boost Your Pre-Retirement Income
16:13
16:13
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
16:13Are you looking for fresh ways to boost your income before retirement? In this episode, we explore five fun, practical ways to add to your cash flow without taking on the weight of a second job. Whether you’re saving to retire early, dreaming of shifting into a passion project, or just want a bit more financial freedom, these tips can help you get …
…
continue reading
In this episode we talk about what happens to pensions when you leave your employer or you decide to take the commuted value out. Whether that means you quit a job or even if you've retired, when you move your pension plan it will like end up in a Locked-In Retirement Accounts or LIRA. We cover the various rules for the LIRA and the various options…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Never Too Late for a Roth Conversion? The Retiree's Tax-Slashing Secret
11:59
11:59
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
11:59Send us a text In this episode, Kyle dives into a real-world retirement planning case study featuring a pre-retiree couple in their early 60s with diverse income streams, including Social Security, pensions, rental income, and investments. This discussion addresses three main concerns: maximizing Social Security, implementing a strategic Roth conve…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Preparing for Retirement: Financial Strategies
13:47
13:47
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
13:47In this episode Steve discusses the current state of national debt and interest rates, emphasizing the implications for retirement planning. They explore strategies for preparing for retirement, including the importance of understanding financial products like annuities and 401ks. The conversation also delves into the emotional aspects of transitio…
…
continue reading
In this episode, we delve into the key differences between the accumulation and distribution phases of your financial journey. We'll discuss how to effectively save and invest during your working years to build a solid financial foundation. Then, we'll explore strategies for managing your wealth in retirement to ensure a comfortable and secure futu…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Navigating 2025 Tax Brackets and Beyond: Essential Tips for Tax Planning
11:29
11:29
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
11:29Send us a text In this episode, we’re diving into a topic that’s going to impact everyone’s finances in the coming year: the new 2025 federal income tax brackets. The IRS recently announced adjustments to the tax bracket ranges to keep up with inflation, helping taxpayers avoid "bracket creep" — the phenomenon where inflation alone pushes you into …
…
continue reading
![Artwork](/static/images/128pixel.png)
1
The Importance of Retirement Planning
16:22
16:22
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
16:22In this episode of the Ready, Set, Retire podcast, Steve discusses the importance of retirement planning, the significance of guaranteed income, and effective tax strategies for retirees. He emphasizes the need for individuals to reflect on their financial goals and the value of annuities in providing a steady income stream during retirement. The c…
…
continue reading
In this episode, we sit down with Jeremy Bryan, a seasoned Senior Portfolio Manager, to delve into the world of portfolio management and investing strategies. Jeremy shares his insights on diversifying investments, risk management, and the importance of a long-term investment horizon. Tune in to learn how you can build a robust investment portfolio…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Married Couple with $2.2M: When Can We Retire?
22:00
22:00
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
22:00Send us a text In this episode, we explore essential retirement strategies through a real-life case study. Topics include: Crafting a sustainable retirement income plan Roth conversion strategies and how they can benefit retirees Maximizing Social Security to enhance income Tax-efficient withdrawal strategies for lasting savings Navigating retireme…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
2025 Social Security Changes: COLA Update and New Rules for Working Retirees
10:25
10:25
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
10:25Send us a text In today’s episode, we’re diving deep into the 2025 Social Security changes that will impact your retirement plans. We’ll cover the essential updates, including: 2025 COLA Increase Earnings Limits for Working Retirees Impact on Your Benefits Holistic Retirement Planning Whether you're already retired or planning your retirement, this…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Market Trends: What You Need to Know
15:44
15:44
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
15:44In this episode, Steve discusses the impact of political changes on financial futures, emphasizing that the market operates independently of political leadership. He highlights the importance of understanding market trends and economic realities, particularly in the context of retirement planning. Steve advocates for a diversified approach to retir…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Roth Conversion Mastery: 5 Golden Windows to Unlock Tax-Free Retirement Wealth
18:27
18:27
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
18:27Send us a text In this episode, Kyle covers Roth conversions and how they can revolutionize your retirement strategy. Key topics include: The "five golden windows" for optimal Roth conversions How Roth IRAs and conversions work, including income limits and tax benefits Understanding backdoor Roth IRAs for high-income earners Strategies to minimize …
…
continue reading
Today, we're going to switch things up and discuss the income side of registered accounts. That is, how do I spend the money I've saved for retirement, and more so in the context of the money we've saved through the Registered Retirement Savings Plan, or RRSP. We'll cover the ins and outs of the Registered Retirement Income Fund or RRIF: withdrawal…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Navigating Financial Misinformation
20:05
20:05
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
20:05In this episode, Steve discusses the pervasive misinformation in the financial world, drawing parallels to political discourse. He emphasizes the importance of proactive financial management, particularly in retirement planning, and the need for individuals to be informed and take action regarding their finances. The conversation covers strategies …
…
continue reading
Navigating the complex world of personal finance can be daunting. In this episode, we delve into the importance of finding a trusted financial advisor. We'll discuss key questions to ask potential advisors, red flags to watch out for, and how to build a long-lasting, fruitful partnership.De către Rob Kirvan
…
continue reading
![Artwork](/static/images/128pixel.png)
1
5 Reasons Risk Tolerance Shouldn't Drive Your Investment Portfolio: A Holistic Approach to Retirement Planning
13:43
13:43
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
13:43Send us a text Join Kyle as he dives deep into the critical distinction between risk tolerance and risk capacity, two essential components for building a successful retirement strategy. In this episode, Kolin explains the emotional and rational sides of risk and how they influence investment decisions. Discover real-world examples and learn why und…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
The October Effect: History's Impact on Markets
17:51
17:51
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
17:51In today's episode, Steve discusses the recent interest rate cuts by the Federal Reserve and their implications for the economy and individual financial planning. He emphasizes the importance of understanding market history, particularly the October effect, and how it can impact retirement savings. The conversation also covers the traditional 60/40…
…
continue reading
In this episode, we delve into the critical importance of regularly reviewing your beneficiaries. Discover why it's essential to update your beneficiary designations to reflect life changes, such as marriage, divorce, or the birth of children. Learn about the potential consequences of outdated beneficiaries and how to ensure your assets are distrib…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
A Comprehensive Guide to Retirement: Social Security, Taxes, and Investment Returns
19:54
19:54
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
19:54Send us a text In this episode, we dive into the top concerns for individuals nearing retirement, such as how to maximize Social Security benefits, implement tax-efficient strategies, and develop a comprehensive retirement plan that goes beyond just investments. Discover overlooked strategies that can help you keep more of your income and minimize …
…
continue reading
In this episode, we delve into the complexities of Medicare planning. Discover how to navigate the various Medicare options, understand the enrollment deadlines, and learn strategies to optimize your coverage while minimizing costs. Join us as we break down the Medicare landscape and help you make informed decisions for your retirement years.…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Mastering Medicare: 9 Essential Tips for Understanding Your Healthcare Coverage
10:12
10:12
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
10:12Send us a text Are you feeling overwhelmed by Medicare and healthcare coverage? Join Kyle Hammersmith, where he breaks down the essentials of Medicare into nine easy-to-understand tips. From the basics of Medicare parts A, B, C, and D to crucial enrollment periods and cost considerations, this episode empowers you to navigate your healthcare benefi…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Taking Control of the Economic Landscape
20:50
20:50
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
20:50Steve discusses the current economic landscape, focusing on interest rates, inflation, and the importance of long-term income planning for retirement. Steve emphasize the need for individuals to take control of their retirement plans, address common fears associated with retirement, and balance financial realities with personal dreams and goals. Th…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Overcoming Your Money Mistakes: Interview With Nia Adams
38:32
38:32
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
38:32Learn how to overcome your money mistakes in this insightful interview with financial expert Nia Adams. Find out how to turn your financial setbacks into successful money management strategies. Everyone makes money mistakes. Whether it’s spending too much, not saving enough, or making a bad investment, we’ve all been there. These mistakes can make …
…
continue reading
Rob welcomes Stacey Wahlberg, president of Cal's Angels. They educate the public about the realities of pediatric cancer, helping to foster greater understanding and support for affected children and their families. Join us in spreading the word and making a difference in the fight against pediatric cancer!…
…
continue reading
![Artwork](/static/images/128pixel.png)
1
Navigating Financial Pressures in Retirement
17:09
17:09
Redă mai târziu
Redă mai târziu
Liste
Like
Plăcut
17:09Steve discusses the challenges faced by retirees, particularly the financial pressures that lead many to continue working past retirement age. They explore the concept of financial literacy, the importance of understanding 401k plans, and the need for guaranteed income in retirement. The conversation emphasizes the significance of communication bet…
…
continue reading