We all age, but some birthdays mean more than just another candle on the cake—they’re critical for retirement planning. This week, Tim Whisler dives into the crucial ages that play a pivotal role in retirement planning, from critical decisions starting at age 50 to the implications of reaching 70 ½ and beyond. You’ll learn how …
Changes to the federal tax code could significantly impact your financial planning and retirement strategies. What changes might be coming to the Tax Cuts and Jobs Act? How can you prepare for potential tax increases? In this episode of Your License to Spend, Tim Whisler dives into the intricacies of the Tax Cuts and Jobs …
Are you confident in your financial strategy for retirement? Have you ever wondered who can help manage your day-to-day finances when life’s challenges make it difficult to keep up? Tim Whisler is joined by Michelle Brown, a daily money manager from Advocate Money Management, who shares her insights on how daily money management can provide …
Annuities often carry a bad reputation, but could they be the unsung hero of your retirement plan? In this episode, Tim Whisler breaks down the complexities of annuities, offering a comprehensive look at their various types and features. He explains how these financial tools can play a crucial role in generating retirement income. You’ll get …
Are you confident that you’ll have enough savings to last through retirement, or does the thought make you uneasy? Tim Whisler emphasizes the vital need for financial literacy early in life and explores how saving discipline and commitment can pave the way for a secure retirement. We discuss both the benefits and strategies for managing …
According to recent studies, using housing wealth strategically can extend your retirement savings by five to seven years. Are you prepared to maximize your home’s potential to secure your financial future? Tim Whistler is joined by Don Graves, President and Founder of the Housing Wealth Institute, to delve into incorporating housing wealth into your retirement …
Have you ever wondered if home equity could transform your retirement income? Tim Whistler welcomes Don Graves, President and Founder of the Housing Wealth Institute, to delve into the topic of using housing wealth as part of retirement income planning. Don discusses the concept of the “fourth bucket” represented by home equity and how incorporating …
Are you prepared for financial uncertainty in your retirement? How can you increase your sense of security as you move past your working years? Tim Whisler dives into the importance of preparing for financial uncertainty, addressing how retirees can protect their assets from market volatility, ensure a stable income, and manage unexpected expenses like healthcare. …
Many believe that retirement planning is all about saving enough money, but there’s so much more to it. It’s also about realizing what you want your retirement to look like and mapping out a path to get there. Join Tim Whisler from the Whistler Agency as he delves into transforming your retirement visions into tangible, …
Are you ready to navigate the shifting landscape of retirement planning? Tim shares insights on this topic from a documentary Tim Whisler dives into the critical shifts in retirement planning, highlighted in the revealing documentary “The Baby Boomer Dilemma” by Douglas Orchard. He explores the importance of protecting assets for retirement income, from defined benefits …
Are taxes posing a threat to your retirement income? Are you prepared for the challenges of retirement planning, including taxation and legislative risks? Tim Whisler sheds light on the significant role taxes play in retirement planning. He emphasizes the importance of having a strategic plan in place to address taxes and how they can impact …
How well do you understand required minimum distributions (RMDs) and their impact on retirement planning? Are your plans up to date between the evolving regulations and your own changes in life? Explore the nitty-gritty of required minimum distributions(RMDs) with Tim Whisler and his guest Andy Ives, IRA analyst with Ed Slott and Company. They discuss …
You don’t want to be worrying about money during retirement. How can budgeting today help your financial plan last into retirement? Will your money be safe against potential challenges leading up to retirement? Tim Whisler dives into the idea of a “License To Spend” during one’s golden years, with a focus on the criticality of …
Everyone knows sleep and air are some of the most important things in life. How can you maximize the benefits of breathing when awake and asleep? How can that increase in air improve other aspects of your life? In this episode, Tim Whisler speaks with Dr. Daniel Klauer, the clinical director of TMJ, on the …
Are you nearing retirement and want a set of professional eyes to take a look at your plan? Uncertain about part of your current plan? Working with a retirement income planner could provide resources and information you never thought about. In this episode, Tim Whisler shares his process of working with a client from the …
You’ve talked with your financial advisor and shared your assets and financials. Now is the time for your advisor to transform that information into the first draft of your retirement plan. In this episode, Tim Whisler dives into the second retirement planning discussion with clients, putting together the information given. He shares the strategies and …
Change can be a tough process, even if it has the potential to improve our lives, especially when it comes to our finances and retirement planning. But why is this the case? What is the right mindset to adopt when facing these changes? In this episode, Tim Whisler chats about the challenges of adapting to …
Retirement comes for everyone eventually. How you prepare for it will dictate your life after work. What are pre-retirees focusing on today? In this episode, Tim Whisler shares how his company provides a fiduciary service for clients and his views on financial planning. Tim dives into his views on financial services, from income to the …
It is no secret that Roth IRAs are popular. How much have you heard? How deep into the information have you considered when thinking about including Roth IRA accounts in your retirement plan? In this episode, Tim Whisler focuses on Roth IRAs, explaining the different aspects of Roth accounts, how they fit within retirement planning …
One of the most significant challenges that farmers and ranchers face is having a transition planning program in place. In this episode Tim Whisler chats with Lisa Quist, Regional Vice President of Nationwide’s Land As Your Legacy Program. Lisa share’s the program’s purpose and how it helps family farms plan their transition at no cost …
Preparing to become a caregiver means more than physically caring for a loved one; preparing for the future is just as important as preparing for the present. In this episode, Tim Whisler is joined by Cathy Sikorski, a Family Caregiver, Elder Law Attorney, author and keynote speaker, on being a caregiver and the steps to …
Retirement planning is ever changing, from government planning to your neighbours opinions. What are the considerations of retirement planning from a financial advisor’s perspective? In this episode, Tim Whisler shares insight gained from a recent IRA workshop and how it changed his thinking towards basic retirement planning accounts, distribution and taxes. Tim discusses: The role …
During the first six months of 2022, the S&P 500 experienced the worst decrease since 1970. With many mentally prepared for a recession or a depression, it is essential to understand what is currently happening to prepare for the future. In this episode, Tim Whisler dives into market volatility, the current economic standing and what …
Before hiring a financial advisor and handing over control of years worth of savings, questions should be asked by both involved parties. In this episode, Tim Whisler dives into how he helps potential clients avoid unpleasant surprises before they sign on the dotted line. He shares some questions people should ask potential advisors to protect …
Traditionally portfolios balance aggressive investments with bonds after retirement. The reality has both investment options on one side of the investment see-saw. In this episode, Tim Whisler dives into financial planning when faced with market bumps. He reveals market trends throughout history, discussing the importance of looking beyond the numbers when planning your portfolio and …
Buy low, sell high is a phrase often used. What about learning how to avoid the down while earning on the up? In this episode, Tim Whisler is joined by Laurence Black, founder and index advisor at The Index Standard. Laurence shares his expertise in index strategies and investment planning, revealing the importance of planning …
In any industry, it’s not just about what you know. It’s about who you know. In this episode, Tim Whisler is joined by Jeremy Houser, vice president and senior advisor development consultant at InsurMark and host of the Advisor Mentorship Podcast. Jeremy shares his knowledge as an outside mentorship source, revealing the benefits of leveraging …
The U.S. Federal Reserve continues to remain uncertain in the early months of 2022. Because of this, for those in or entering retirement, planning for the future is more important than ever. In this episode, Tim Whisler dives into retirement planning preparations for 2022, focusing on retirees and how inflation, market volatility, and taxes impact …
Medicare can seem like a foreign language to those who don’t look into it on a regular basis. In this episode, Tim Whisler discusses what you need to know about Medicare when planning for retirement. He reveals the different parts of Medicare plans, the role of each and the coverage they provide. Tim discusses the …
You may hear about RMDs from your retirement planner. But how do required minimum distributions impact your personal retirement plan? In this episode, Tim Whisler shares his knowledge of RMDs, discussing how pensions evolved to retirement accounts with RMDs and the differences between the withdrawal rules of different accounts. He reveals the importance of including …
Death and taxes are the two most certain events in a person’s life. How can you continue the implementation of your financial plan after death? In this episode, Tim Whisler discusses the difficult topic of death and how to plan financially for this certainty in life. Tim shares two stories about death and the financial …
Marriage vows always speak about “until death do us part”—Social Security works beyond death. In this episode, Tim Whisler is joined again by Beth Ingle, a certified senior advisor with Living By Your Design. Tim and Beth use examples to discuss spousal benefits and survivor benefits of Social Security and detail how different scenarios could …
There is always a risk when entering the stock market. What will that risk be in 20, 30, 40 years when you retire? In this episode, Tim Whisler takes a deep dive into sequence of return risk, detailing what it is and how he helps clients prepare for the future without a crystal ball. Tim …
With so many people in the US taking advantage of Social Security benefits within their retirement plan, it’s important to fully understand how to make the most of the program and ensure that you’re receiving the optimal benefit.. In this episode, Tim Whisler is joined by Beth Ingle, a certified senior advisor with Living By …
When you have a water leak, you call a plumber. When you need to create or manage a retirement plan, you call a retirement income specialist. In this episode, Tim Whisler discusses the role that a retirement expert plays within retirement planning. Tim shares the difficulties of self-managing a retirement plan and the different elements …
Your retirement age can impact the cost and benefits gained during your retirement. In this episode, Tim Whisler reveals the flow of retirement as you age, from high to low spending. Tim discusses the risks you should consider when planning retirement and how a delay in retirement could grant you huge financial benefits. Tim discusses: …
Have you ever felt you were living paycheck to paycheck, or felt stressed when talking to a financial advisor about your financial situation? Did you know that these reactions have a scientific explanation? In this episode, Tim Whisler is joined by Maggie Klokkenga, CPA, CFP®, financial coach at Make A Money MindShift, LLC. Maggie shares …
When you hear the word legacy, what comes to mind? What do you want your legacy to be? The legacy you leave behind can begin with a simple donation. In this episode, Tim Whisler is joined by Phil Newton, founder and partner of Perennial Partners. Phil shares how charitable gifting can be beneficial for your …
With many working from home due to COVID, how can you maintain a healthy lifestyle while working in a less ergonomic environment? In this episode, Tim Whisler is joined by Pauline Pearson, a licensed massage therapist dedicated to helping others achieve their healthiest selves. She reveals what you can do while working from home to …
What is your magic number to create the retirement you dream about? Do you know how much you truly need to have saved to live your dream retirement? In this episode, Tim Whisler shares his process for helping clients create a retirement plan around their personal retirement number. Tim discusses the important questions you should …
How much are you paying in fees and taxes on your retirement plan? Do you know how much less you could be paying when you learn about other retirement accounts? In part two of this two-part series, Tim Whisler reveals the last five mistakes that could jeopardize your retirement. He discusses how fees and taxes …
You don’t have to be a professional financial advisor to understand the basics of planning. In part one of this two-part series, Tim Whisler dives into five of the most common mistakes 401(k) and IRA owners make. Tim helps you discover the taxes you are paying but shouldn’t be, and shares ways you could save …
In the digital age, hackers are expected. How can you ensure that you are protected online? In this episode, Tim Whisler is joined by Kirk Hasty, senior client solution architect at VMware Carbon Black, to discuss cyber security and the threat of online attackers. Tim and Kirk share steps you can take to keep your …
Considering the stimulus spending rates, debt issues, GDP ratios, and market factors—is the economy truly on a sugar rush? In this episode, Tim Whisler explains what’s going on in the market now with all the big changes that have happened recently, and how you can potentially benefit from them! You will learn: The stimulus spending …
A 401(k) retirement plan offered by your employer can be a great savings tool, as long as you take advantage of it, and manage it correctly. However, 401(k) questions surrounding employment, retirement, taxes, and the IRS arise all the time, and to clarify potential doubts, Tim Whisler reviews them all to explain the different 401(k) …
By now, you know that you MUST prepare for longevity as you approach retirement. But what does the process look like? What are the available options for long-term care policies? How to fund a plan? What are the key policy elements? In part two of this mini-series, Tim Whisler is once again joined by the …
When approaching retirement, retirees and pre-retirees should focus on learning new things, having a comfortable income stream, and most importantly, planning for longevity. In this episode, Tim Whisler sits down with the president of Comfort Long Term Care, and the director of training and development for the certification in long-term care designation, Bill Comfort, CSA®, …
Since 1948, The Christian Center, in Peoria, Illinois, has had a mission to provide a place where Christians could grow and the lost could find Christ. But how is this related to sports and recreational activities? In the latest episode of Whisler While You Retire, Tim Whisler sits down with the organization’s managing director, Chad …
Following the end of former MLB pitcher Kyle McClellan’s career with the St. Louis Cardinals, he and his wife founded Brace for IMPACT 46, a non-profit organization following a life-changing mission to Haiti. In this episode, Tim Whisler sits down with Kyle McClellan to review his journey as a baseball player, and discuss his non-profit …
Has your spending got a little out of hand as a result of COVID-19? Don’t worry, we’re here to help! In this episode, Tim Whisler gives you an easy four-step plan to help you get your finances back on track, so you can keep heading towards your ideal retirement. As relatable as ever, Tim gives …
Believe it or not, annuities don’t have a middle ground – you either disregard them entirely or embrace them wholeheartedly. In this episode, Tim Whisler navigates the path of annuities, explaining the differences between what can be a beneficial, but complicated, option for retirement. In this episode, you will learn: Why people have negative opinions …
When it comes to retirement accounts, what’s the difference between tax-free and tax-deferred? In this episode, Tim Whisler discusses key points about retirement accounts, IRAs and 401(k)s. He does this to explain the “silent partner” involved in a portion of your 401(k) and IRA accounts. In this episode, you will learn: How to take full …
Having multiple savings vehicles or accounts with a purpose is a wise strategy when it comes to stepping into your retirement years. In this episode, Tim Whisler discusses retirement accounts for individuals making the transition from their working years to their retirement years. In this episode, you will learn: 401(k)’s as accumulation and distribution machines …
How much do you really know about the different Medicare coverages offered in each part? Are you looking for an opportunity to bundle different levels of coverage? In part two of this mini-series, Tim navigates Medicare’s part C, also known as Medicare Advantage Plans, and explains how it allows consumers to bundle the coverage from …
Medicare is a short-term health insurance for those who are 65-years-old and/or receive Social Security Disability Insurance. It can be overwhelming and confusing, but with the right education, it doesn’t need to be. In part one of this mini-series about Medicare, Tim Whisler helps you navigate Medicare to help ease your mind about the health …
“Can I afford retirement?” “What are my plans for this phase of life?” – These are two of the many questions we all have when it comes to planning for retirement. In this episode of Whisler While You Retire, Tim Whisler will help you navigate these questions, and many others, and shares his six-step retirement …
Leaving a life insurance policy in place for your spouse in case something happens to you is the ultimate final love letter. In this episode, Tim Whisler explains why life insurance can be considered an expression of love and refers to the importance of planning collaboratively with your partner so that both parties are prepared …
“Zero is the hero” is all about replacing the worry, fear, and anxiety that comes from watching a retirement account. In this episode, Tim Whisler explains everything you need to know about the “zero is the hero” retirement strategy and how it can help baby boomers achieve positive income and asset results. In this episode, …
The Whisler Agency is proud to present: Whisler While You Retire with Tim Whisler! In this podcast, get to know Tim Whisler, president and founder of The Whisler Agency, and discover what led him to his career in finance. Tim shares how The Whisler Agency can help clients of all ages plan for their financial …