Episode 8 – The IOU in your IRA to the IRS



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 advantage of your 401(k)
  • The benefits of contributing to your 401(k) directly from your paycheck 
  • The process of a 401(k) rollover 
  • The role of Required Minimum Distributions (RMDs) when it comes to taxes and IRAs
  • And more!

Listen today to learn ways to pay your taxes first so that you don’t have to worry about them later.

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 


Episode 7 – Understanding Retirement Accounts



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 
  • The role of a sequence of returns strategy, and how it impacts retirement
  • How return on investment (ROI) changes to reliability of income when approaching retirement 
  • And more!

Tune in to learn why retirement is all about income and cash flow rather than assets! 

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 


Episode 6 – Medicare as a Retirement Health Insurance – Part II



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 the other parts of Medicare. 

In this episode, you will learn:

  • The coverages offered in Part C of Medicare
  • The different types of Medicare Advantage Plans
  • Pros and cons of Medicare Supplement Plans
  • The role of the “annual notice of change” when switching between Medicare Advantage and Supplement Plans
  • And more!

Tune in as Tim discusses various coverages of part C of Medicare!  

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 | Part 1

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 


Episode 5 – Medicare as Retirement Health Insurance



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 care coverage. Tim explains the different phases so that you can better understand this type of health insurance.

In this episode, you will learn:

  • The importance of education around Medicare and finding the right plan for you
  • Who is eligible for Medicare
  • The four parts of Medicare and what they each cover
  • What the “donut hole” is and how it is related to the Medicare catastrophic phase 
  • And more!

Tune in as Tim discusses potential advantages and drawbacks of Medicare as a health care coverage! 

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.


Episode 4 – Don’t Be Afraid of Retirement, Be Prepared



“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 checklist to ensure you’re prepared for this milestone. 

In this episode, you will learn:

  • The difference between the defined benefit and the defined contribution plan
  • Why longevity is a retirement risk 
  • Why it is important to prepare for retirement “what if’s”
  • How to determine the right age to elect retirement-related benefits 
  • And more!

Tune in as Tim reminds you to prepare for retirement so that you can later enjoy the ride! 

Resources: Tim Whisler | The Whisler Agency | (309) 291-0491 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.

 


Episode 3 – Your Life Insurance Policy is The Ultimate Love Letter



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 when the time comes. 

In this episode, you will learn:

  • The types of life insurance and how to choose the right one for you 
  • The benefits of a term policy 
  • How premiums and insurance allow cash building 
  • What a “Second-to-Die” policy is, and how it impacts your overall death benefit 
  • And more!

Tune in to learn why your life insurance policy is the ultimate love letter! 

Resources: The Whisler Agency

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, an SEC Registered Investment Advisor. Sub advisory services are provided by Advisory Alpha, LLC, an SEC Registered Investment Advisor. Insurance, consulting, and education services are offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC, and Advisory Alpha, LLC.


Episode 2 – Zero is the Hero



“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, you will learn:

  • The different phases of retirement
  • How return on investment impacts your overall asset exposure 
  • The role of market volatility in retirement 
  • How to enjoy retirement instead of babysitting the market
  • And more!

Tune in as Tim explains why retirement is not about assets but income! 

Resources: Tim Whisler | The Whisler Agency 

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Subadvisory services are provided by Advisory Alpha, LLC, a SEC Registered Investment Advisor. Insurance, Consulting and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC and Advisory Alpha, LLC.


Episode 1 – Get to Know Tim Whisler, President and Founder of The Whisler Agency



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 futures. 

In this episode, you will learn:

  • How Tim’s personal life led him to his career in financial services 
  • Tim’s ideal client demographic
  • Why radio ads and referrals so important to Tim’s business 
  • How understanding your return on investment can help measure risk returns 
  • And more!

Tune in to get to know Tim Whisler and The Whisler Agency! 

Resources: Tim Whisler | The Whisler Agency

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Subadvisory services are provided by Advisory Alpha, LLC, a SEC Registered Investment Advisor. Insurance, Consulting and Education services offered through The Whisler Agency. The Whisler Agency is a separate and unaffiliated entity from Simplicity Wealth, LLC and Advisory Alpha, LLC.