Mutual FIt?
Login
Edit Content
Jacksonville Florida

Your trusted financial team

  • Serving St. Augustine
  • Serving Jacksonville
  • Serving All of the United States Remotely
  • info@imaginefinancialsecurity.com
  • (904) 323-2069
FOLLOW US

Category: Podcast

Ep. 83: ‘Oversaved’ for Retirement? Here Are 6 Opportunities To Consider

Many of the individuals and families we serve end up “Oversaving” for retirement.  If you are in that same situation (you overachieved 😊), you will want to listen to this episode to learn about 6 retirement planning opportunities to consider.  

Takeaways:

  • Many clients are overachievers who overfund their retirement.
  • Financial planning is a continuous process, not a one-time event.
  • Understanding the gap between current wealth and future goals is crucial.
  • Retiring earlier than planned can be a viable option for overfunded individuals.
  • Spending intentionally enhances the retirement experience.
  • Taking on more or less investment risk is a personal choice for overfunded retirees.
  • Gifting during one’s lifetime can create meaningful experiences for family.
  • Legacy planning should involve thoughtful conversations about wealth transfer.
  • The impact of inflation on perceived wealth is significant.
  • Measuring progress against past achievements can improve financial mindset.

I hope you find this episode useful.   

-Kevin 

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 82: Retirement Related Q+A (Volume 1)

In this week’s podcast, I break down 5 great questions we have either fielded directly in our practice, or have observed in the marketplace from retirees/near retirees.  Shoutout to Roberto for this concept, and if it goes well, we’ll be doing these every 4-5 episodes!  

In this edition, the 5 questions we’ll tackle are:

  • 💬 Question 1: Can I get a mortgage if I just retired and don’t have income? I have the assets!
  • 💬 Question 2: Can a spousal Roth be done for a wife who is retired and draws a pension and Social Security, but no income from working?
  • 💬 Question 3: Rollover my pension or annuitize it? (8.34% payout rate on a $500k pension)
  • 💬 Question 4: Fees — I’m talking to a money manager at one of the large firms. His fee is 1.75%. Does that seem reasonable?
  • 💬 Question 5: Should I bail on US Treasuries and buy CDs because they are FDIC-insured?

I hope you enjoy this one!

-Kevin 

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 81: Financial Support or Enabling Your Adult Children?

The Planning For Retirement Podcast

Is it time to take your adult children off your payroll?

Nearly HALF of parents with adult children are providing them with MEANINGFUL financial support.  But 40% plan to CUT OFF those funds in the next 2 years.

If you or someone you know is struggling with this, you are NOT alone!

In this 81st edition of the PFR podcast, we’ll discuss Savings.com’s recent survey about this, and ultimately how this could impact your retirement plans and how you are remembered.  

Make sure to participate in the poll questions referenced in this episode!

-Kevin

Resources Mentioned:

  • Savings.com Study
  • PsychologyToday Article

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 80: Are You Feeling Behind for Retirement? Here Are 6 Things You Should Consider

Are you feeling a bit behind on your goals for retirement?   You’re not alone!

More than half (57 percent) of Americans working full-time, part-time or who are temporarily unemployed feel behind on their retirement savings, according to Bankrate’s latest Retirement Savings Survey.

In the 80th edition of the Planning for Retirement podcast, I’ll discuss 6 tactical moves to improve your retirement outcomes.  I hope you enjoy it!

Also, thanks for your patience this week as my family of 5 + 2 dogs made our move into a new home!  We are swimming in boxes while managing 3 boys being home from summer.  Pray for us!  😊

-Kevin

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 79: 9 Reasons to Delay Social Security

I hear a lot of financial advice out there to take Social Security as early as possible. But what if I told you that for many high-net-worth retirees, claiming early could cost you several hundreds of thousands of dollars of lost income and even furthermore negatively impact your investment portfolios over time.

Episode 68, 9 Reasons to Claim Social Security Early.  Make sure to check that one out as well.  In this episode, we’ll look at the other side of the coin on why you might want to DELAY Social Security.  I hope it helps!

***Important edit***
I mentioned a reduction in your “Primary Insurance Amount” when you claim benefits before Full Retirement Age. However, I meant to say there is a 30% reduction @ 62 for those who were born in 1960 or later…NOT a 35% reduction! The 35% reduction applies to a “Spousal Benefit” when claiming @ 62.

Thank you, Roberto, for catching this! I will attach a link to the IRS website which has a helpful chart showing the impacts on claiming early below.
https://www.ssa.gov/benefits/retirement/planner/agereduction.html

-Kevin 

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 78: Give Now or Give Later? The Million-Dollar Question (Whiteboard Retirement Plan Volume 6)

There is a lot of focus in the financial advice industry related to the “Accumulation Phase.” 

In the beginning, you’re trying to save as much as possible as you start your careers.  Then you gain some traction and start building up a nice nest egg. As your income increases, maybe you start to think about the tax impact of your savings.  

And finally, you really start to focus in on how much you “need” or “want” before you stop the accumulation phase. The problem is that it continues to be a moving target based on your lifestyle changes, inflation, the markets, or ultimately, the unknown about how long you might live!

But when is enough “enough?”   It’s easy to have the blinders on and just focus on building up as large of a nest egg as possible. As a result, many pre-retirees and retirees fail to think through the distribution phase…or in other words, the decumulation phase.

And many of the folks we serve are surprised to find out they have a SURPLUS in retirement. Meaning, it’s going to be hard for them to spend all their nest egg during their lifetime (not a bad problem to have).

In today’s Whiteboard Retirement Plan breakdown, we’ll look at Bruce and Jennifer Lee, who are 62/61 and looking to retire in January of 2026…

We’ll show you WHY they have a surplus and ultimately discuss some strategies to help them optimize for today, as well as maximize their legacy to their 2 adult children.

I hope you enjoy it.

-Kevin 

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 77: Should You Sell in May And Go Away?!

The Planning For Retirement Podcast

Ever hear of the “Sell in May and Go Away” catch phrase as it relates to the stock market?  In this episode, we’ll look at the actual data of market returns from May to October vs. November to April and see if there is any merit.

We’ll also touch on the stock market since the “Liberation Day” sell-off, as the market has gained a ton of ground in April and early May.  

I hope you enjoy this episode, and make sure to share the podcast with someone who is PFR Nation caliber!

-Kevin 

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 76: The Unsung Hero of Retirement Accounts

The Planning For Retirement Podcast

Roth IRAs, 401ks, Health Savings Accounts and Traditional IRAs generally get the most hype when it comes to saving and investing for retirement.  

However, the TAXABLE BROKERAGE ACCOUNT, in my humble opinion, is the unsung hero in the retirement planning puzzle.  This is due to the ultimate flexibility and surprising tax efficiency during the accumulation, distribution, AND legacy phases.  

Check out this episode where I talk about the benefits in each phase, as well as some of the mistakes I see retirees make when using these accounts to plan for and execute a successful retirement.

I hope you enjoy it!

-Kevin 

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 75: 12 Takeaways From Retirement Planning Reviews in 2025

The first quarter of every year is a great opportunity for us to meet with our clients and discuss things like:

  • Required Minimum Distributions (RMDs)
  • Cash Flow Needs
  • Rebalancing opportunities and overall market outlook
  • Tax opportunities before the deadline
  • Tax opportunities to tee up for the year(s) ahead
  • And overall retirement planning landscape for each of our clients

But this past quarter, we have had some significant volatility relative to what we’ve seen since 2022 when inflation topped out at 9.1%!!

There were some great takeaways I wanted to share in hopes that it will HELP YOU in your journey to plan for and execute a successful retirement…

I hope you enjoy this episode, and make sure to share it with a friend who is “PFR Nation” caliber!  Thank you!

-Kevin

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 74: Don’t Wait To Spend Your Roth Accounts!

The conventional wisdom is to spend down your taxable accounts first, then your tax-deferred accounts, and finally your tax-free accounts.  However, this may not always be the case.  

In this episode, I’ll break down the case of “Rory and Erica” on the whiteboard, which goes against this conventional wisdom.  

We’ll cover max spending strategies, optimal investment strategies, tax-efficient withdrawals, charitable giving, and long-term care planning.

I hope you enjoy this edition of the Whiteboard Retirement Plan!  Make sure to share this with someone who would find it useful.

-Kevin 

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

info@imaginefinancialsecurity.com
(904) 323-2069

Our Firm

Services

Insights & more

Copyright © 2020 imagine financial security. All Rights Reserved. Website by Justin Bordeaux

Form ADV and Disclosures