Tag: Financial Strategy
How Annuities Work; the Good, the Bad, and the Ugly (Ep.10)

How Annuities Work; the Good, the Bad, and the Ugly (Ep.10)

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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 a balanced perspective on the benefits and drawbacks of annuities, helping you make more informed decisions for your financial future.

Tim covers:

  • A breakdown of the four main types of annuities: immediate, fixed, variable, and indexed
  • How each type functions and the potential benefits they offer
  • A discussion on the often-overlooked fees associated with variable annuities
  • Key questions to ask financial professionals when evaluating an annuity

This episode will leave you with a clearer understanding of how annuities might fit into your retirement strategy.

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Investment advisory and financial planning services are offered through Foundations Investment Advisors, 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 and Simplicity Solutions.

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Integrating Housing Wealth into Your Retirement Plan with Don Graves (Ep. 8)

Integrating Housing Wealth into Your Retirement Plan with Don Graves (Ep. 8)

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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 income plan through the use of modern reverse mortgages. They explore the fundamentals of reverse mortgages, the benefits of a growing line of credit, and practical case studies on how retirees can utilize this often-misunderstood financial tool to enhance their retirement security.

Don discusses:

  • Understanding the basics and history of reverse mortgages
  • How reverse mortgages can supplement Social Security
  • Utilizing reverse mortgage lines of credit as a volatility buffer
  • Real-life case studies illustrating the strategic use of housing wealth

Resources:

Connect with Tim: 

 Book a Call with Tim:

Connect with Don Graves:

About our Guest: 

Don Graves, RICP®, CLTC®, CSA® Certified Senior Advisor, is the president and founder of the Housing Wealth Institute, an Author of three books, and Instructor of Retirement Income at The American College of Financial Services. He is considered one of the nation’s leading educators on incorporating housing wealth into retirement income planning.

Investment advisory and financial planning services are offered through Foundations Investment Advisors, 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 and Simplicity Solutions.

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Understanding Home Equity as a Retirement Asset with Don Graves (Ep. 7)

Understanding Home Equity as a Retirement Asset with Don Graves (Ep. 7)

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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 it into your retirement strategy can make a significant difference.

Tim and Don discuss:

  • Explanation of the three main retirement buckets: income, investment, and insurance
  • Introduction to the “fourth bucket”: housing wealth and reverse mortgages
  • Misconceptions about reverse mortgages and their practical benefits
  • Growth potential of a reverse mortgage line of credit and its impact on retirement planning
  • And more

Connect with Tim: 

Book a Call with Tim:

Connect with Don Graves:

About our Guest: 

Don Graves, RICP®, CLTC®, CSA® Certified Senior Advisor, is the president and founder of the Housing Wealth Institute, an Author of three books, and Instructor of Retirement Income at The American College of Financial Services. He is considered one of the nation’s leading educators on incorporating housing wealth into retirement income planning.

Investment advisory and financial planning services are offered through Foundations Investment Advisors, 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 and Simplicity Solutions.

Podcast: Play in new window | Download | Embed

Subscribe: RSS | More

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