Straight Talk on Retirement with JBL Financial

What does it take to be financially prepared for retirement? The Retirement Coaches Jeff Lapidus, Erin Lapidus and Robert Markham explore how pensions, Social Security, retirement savings, upcoming expenses and investment risk can work together in a retirement game plan.
Plus, they discuss estate planning considerations, 401(k) decisions, Medicare coverage and listener questions to help those approaching retirement better understand the financial decisions ahead.

How do you know whether the retirement you’re planning is financially workable? The Retirement Coaches walk through a real-world planning scenario involving a couple hoping to retire before Social Security and Medicare eligibility, including how spending needs, savings, 401(k) assets, taxes, Social Security timing, and healthcare coverage can fit together. 
Plus, Frank joins the conversation to explain what to consider when transitioning from employer health coverage to Medicare after age 65, including timing your coverage, gathering the necessary employer documentation, and preparing ahead to help avoid gaps. 
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Disclaimer: The hypothetical situations are based on real-life examples. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments or strategies may be appropriate for you, consult your advisor prior to investing.
LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial. They also have access to non-affiliated third parties that specialize in creating trusts and wills for use by LPL advisor’s clients.

Is a Roth conversion the right move for your retirement plan? The Retirement Coaches discuss how Roth conversions can help reduce future taxes—but only when they're done strategically. They explain how tax brackets, Medicare IRMAA surcharges, required minimum distributions (RMDs), and cash flow all work together when evaluating a conversion strategy.

Is there a better way to approach retirement? In this episode, The Retirement Coaches discuss retirement income planning, Social Security claiming strategies, tax-aware Roth and traditional IRA withdrawals, inherited IRA planning, and important Medicare enrollment decisions—including COBRA and Medicare Advantage. Plus, they answer listener questions to help you make informed retirement planning decisions.

When is the right time to claim Social Security? The Retirement Coaches break down the key rules surrounding Social Security benefits, including when to claim, how continued employment may affect your benefits, and important considerations for married couples and surviving spouses. The conversation also covers retirement income planning, Medicare updates, identity theft prevention, umbrella insurance, and answers to listeners' retirement and financial planning questions.

This week, the Retirement Coaches discuss important considerations when receiving an inheritance, including taxes, retirement savings opportunities, debt, and investment decisions. They also answer listener questions about active versus passive investing, 401(k) strategies, target-date funds, Medicare coverage, gifting rules, and retirement planning, offering practical insights to help listeners make informed financial decisions.

The Retirement Coaches discuss practical strategies for managing Required Minimum Distributions (RMDs), creating retirement income, planning tax-efficient wealth transfers, and navigating key Medicare enrollment decisions. Plus, they answer listener questions on inherited IRAs, home financing in retirement, retirement account distributions, and Medicare billing. Tune in for timely retirement planning insights designed to help you make more informed financial decisions.

Jeff, Erin Lapidus, and Robert Markham discuss required minimum distributions (RMDs), inherited IRA rules, Roth conversion considerations, Medicare Part D prescription cost caps, and practical mid-year financial planning topics, including car loans, housing affordability, retirement savings, and value investing.

Jeff Lapidus flies solo this week covering common life insurance misconceptions, strategies for long-term care planning, retirement income decisions, and Medicare coverage for durable medical equipment with Medicare Coach Frank Ellis. Plus, listener questions on Roth conversions, gifting to children and grandchildren, and managing retirement taxes.

The Retirement Coaches discuss how to balance portfolio risk and income in retirement, sustainable withdrawal strategies, Medicare coverage while traveling, long-term care planning, and what recent market developments could mean for investors. They also answer listener questions on retirement readiness, beneficiary IRAs, and retirement income planning.