Tag: Market Volatility
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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Navigating Market Volatility in Retirement Planning (Ep. 6)

Navigating Market Volatility in Retirement Planning (Ep. 6)

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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. 

Tim discusses:

  • What is the impact of market volatility on retirement savings
  • Why are reliable income streams important in retirement
  • What are the strategies for managing withdrawals and tax implications
  • How can you handle healthcare costs and long-term care planning
  • And more

 

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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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Creating the First Draft of Your Retirement Potential (Ep. 44)

Creating the First Draft of Your Retirement Potential (Ep. 44)

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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 technology used to build a retirement plan and analyzes various aspects of their financial details, including underperforming funds, market volatility, tax liability, and healthcare expenses.

Tim discusses:

  • The importance of transparency from the clients when it comes to their financial situation
  • How he uses the Retirement Analyzer to help create a first draft of the retirement plan and test it against future outcomes
  • The impact of health care and social security on the stability of the retirement plan
  • Why clients should treat their retirement plan as a living document to be reviewed and updated consistently
  • And more! 

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Investment advisory services are offered through Foundations Investment Advisors, LLC, an SEC Registered Investment Adviser.

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Preparing Your Financial Plan After Market Volatility (Ep.37)

Preparing Your Financial Plan After Market Volatility (Ep.37)

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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 the future holds in planning financially. He reveals the impact of the war between Russia and Ukraine on the US market, the impact of market volatility during different phases of life and what the future holds for investment planners.

Tim discusses:

  • How the dip in S&P 500 impacted different types of investments
  • The difference between a recession and a depression
  • Why a retirement specialist is necessary during the distribution phase of life
  • How percentages should be calculated within the market to reach equilibrium
  • And more!

Connect with Tim: 

Book a Call with Tim:

Investment advisory and financial planning services offered through Simplicity Wealth, LLC, a SEC Registered Investment Advisor. Sub-advisory services are provided by Simplicity Solutions, 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 and Simplicity Solutions.

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32. Retirement Planning in 2022

32. Retirement Planning in 2022

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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 those entering retirement. He also reveals how supply and demand increase the cost of products and services, the impact of uncertainty on the financial market, and his advice for clients on what to budget for during retirement.

Tim discusses:

  • The dangers of market volatility on portfolios
  • How inflation impacts the amount required for retirement
  • Why including a budget for fun is necessary for retirement
  • The impact of taxes on retirement planning in 2022
  • And more!

Resources:

Connect with Tim: 

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.

 

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27. Prepare for the Future Without a Crystal Ball

27. Prepare for the Future Without a Crystal Ball

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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 discusses how he turns potential losses into zeroes and the benefits of such transformations within your retirement plan.

Tim discusses:

  • The two main phases of life in your financial plan
  • The uncertainty of the future when planning for retirement
  • The benefits of zeroes over losses within your investments
  • And more!

Resources:

  • Watch the video HERE!

Connect with Tim: 

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.

 

 

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