Straight Talk on Retirement with JBL Financial

3/29/25 - Trusts, Taxes, and Retirement: What You Need to Know

In this episode of "Straight Talk on Retirement," host Jeff Lapidus—joined by certified financial planner Erin Lapidus and wealth manager Robert Markham—discusses key retirement planning topics, including asset preservation, income planning, healthcare, and estate strategies. Frank Ellis, who specializes in Medicare planning, shares updates on upcoming changes to Medicare and prescription drug coverage. The episode offers practical guidance on managing assets, understanding Social Security, and making thoughtful beneficiary designations, helping listeners feel more prepared for the future.

3/22/25 - Retirement Planning: Don’t Let Your 401(k) Go Unmanaged

In this episode of "Straight Talk on Retirement," Erin Lapidus is joined by Jeff Lapidus and Rob Markham to explore strategies for managing 401(k) plans and understanding required minimum distributions (RMDs). They highlight the potential advantages of rolling over 401(k)s into self-directed IRAs, and why it’s important to understand RMDs to avoid penalties. The episode also covers strategic asset gifting and the role of Medicare planning in managing healthcare expenses during retirement.

3/15/25 - How to Build a Reliable Game Plan for Your Retirement

In this episode of "Straight Talk on Retirement," Erin and Jeff Lapidus, along with Robert Markham, explore key strategies for retirement planning. They emphasize the value of a structured financial plan focused on preserving assets, planning for income, and addressing healthcare needs. The hosts discuss Roth IRA conversions, staying invested through market shifts, and prioritizing high-interest debt. They also break down considerations around Medicare Advantage plans. With thoughtful planning and experienced guidance, listeners can feel more prepared for what’s ahead

3/8/25 - Don’t Leave Your Future to Chance: Proactive Steps for Retirement

In this episode of "Straight Talk on Retirement," Erin Lapidus, Robert Markham, and Jeff Lapidus explore key retirement planning topics—from Medicare choices and Social Security timing to handling market volatility and keeping cash reserves. They share practical guidance and emphasize regular reviews and proactive planning to help listeners prepare for a retirement that fits their needs.

3/1/25 - Medicare, Income, and Wealth Transfer: What You Need to Know Before Retiring

In this episode of "Straight Talk on Retirement," Jeff and Erin Lapidus, along with Robert Markham, share insights on retirement planning for income, healthcare, and wealth transfer. They discuss subjects such as Medicare options, direct transfers vs. lump sums, and managing healthcare costs while traveling. The hosts offer practical guidance and encourage listeners to build a retirement plan tailored to their needs.

2/22/25 - Are You Making the Right Choices About Your Social Security Benefits?

In this episode of "Straight Talk on Retirement," hosts Jeff and Erin Lapidus, along with Robert Markham, explore the complexities of Social Security benefits and retirement planning. They highlight the importance of timing when claiming benefits, especially for couples, to help optimize outcomes. Erin addresses a listener’s question about spousal benefits and discusses recent legal changes.

2/15/25 - Retirement Planning: It’s Never Too Late to Start!

In this episode of "Straight Talk on Retirement," hosts Erin Lapidus, Jeff Lapidus, and Robert Markham provide insights on retirement planning, focusing on IRA contributions, Social Security, Medicare, and investment strategies. They emphasize the importance of a comprehensive retirement game plan, addressing listener questions on topics like Roth IRA conversions, required minimum distributions, and Medicare enrollment. The hosts reassure listeners about staying invested despite market fluctuations and offer practical tips for managing retirement income and healthcare costs. They encourage proactive financial planning and personalized coaching to ensure a secure and enjoyable retirement.

2/8/25 - Are You Making the Most of Your Retirement Rollovers and Medicare Options?

In this episode of "Straight Talk on Retirement," hosts Erin Lapidus, Jeff Lapidus, and Robert Markham provide insights into retirement planning, focusing on the rollover process from employer-sponsored plans to IRAs. They explain the importance of keeping pre-tax and after-tax contributions separate to avoid unnecessary taxation. The team discusses options for managing rolled-over funds, such as transferring to a Roth IRA or taking a cash distribution. They also highlight the benefits of Medicare Advantage plans over traditional supplements, emphasizing cost savings and additional benefits. Listeners are encouraged to seek professional guidance to navigate these complex decisions confidently.

2/1/25 - Retirement Planning: Don’t Let Your Money Run Away Like a Bad Date!

In this episode of "Straight Talk on Retirement," Erin Lapidus, President of JBL Financial Services, alongside her father Jeff Lapidus and husband Robert Markham, delve into key retirement planning strategies. They discuss asset management, income streams, and healthcare coverage, emphasizing the importance of a comprehensive financial plan. The episode features a caller named Rick, who seeks advice on Medicare enrollment, and a case study involving a couple, Joe and Jill, contemplating retirement. The hosts also highlight the benefits of consulting professionals for personalized advice, ensuring listeners feel informed and reassured about their financial future.
 

1/25/25 - RMDs, Medicare, and Retirement: What You Need to Know to Stay Ahead

In this episode of "Straight Talk on Retirement," Erin and Jeff Lapidus, along with life insurance specialist Robert Markham, provide actionable advice for those nearing or in retirement. They focus on managing Required Minimum Distributions (RMDs), emphasizing the importance of understanding tax implications and aligning withdrawals with financial goals. The discussion also covers strategies for charitable contributions to reduce tax liabilities, and the impact of RMDs on Medicare premiums. Additionally, they address Medicare enrollment options, including the benefits of Medicare Advantage plans and the importance of reviewing coverage during open enrollment.