Rockin’ Retirement with J’Neanne Theus

Financial Mailbag: Gifting Money, Overthinking Decisions & Retirement Spending

We’re answering some listener questions today as we open the mailbag and cover a few scenarios that require some financial decision making.
Among the topics we’ll get J’Neanne’s thoughts and perspective on include:
Tax considerations for gifts made to family.
Getting past overthinking every financial decision that you need to make.
What to do with money when you realize you’ll have more than you’re going to need in retirement.
This should be an informative episode covering a wide range of financial planning conversations that we have with people all the time. If you have something you’d like to as J’Neanne, drop a comment below.
 
Here’s some of what we discuss in this episode:
0:00 – Intro
1:25 – Question 1
7:11 – Question 2
10:47 – Question 3
 
Connect with us: https://theuswealthadvisors.com/
 
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Does Retirement in America Need an Overhaul?

In today’s show, we’re going to be talking about the Gray New Deal and the need for retirement reform. The idea to create job and pension improvements might be a little surprising to some, but the author of Work, Retire, Repeat: The Uncertainty of Retirement in the New Economy makes some really interesting points.
 
Here’s some of what we discuss in this episode:
0:00 – Intro
1:47 – Issues we’re facing
7:08 – Policy changes
9:58 – Social programs
12:00 – Taxes
 
Check out the article we referenced:
https://finance.yahoo.com/news/working-longer-won-t-solve-174400601.html 
 
Connect with us: https://theuswealthadvisors.com/
 
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
 
Schedule your analysis: https://theuswealthadvisors.com/schedule/

Retirement Planning Is Different For Women: Here’s Why (Part 2)

In this episode, we’ll talk about how women can gain more confidence with their finances. As more women take a proactive approach to money, we want to help them feel comfortable about what they’re doing. We’ll also talk about debt as well as solutions to help women be better prepared for retirement.  
 
Here’s some of what we discuss in this episode:
0:00 – Intro
1:10 – Debt
7:38 – Lack of financial confidence
 
Connect with us: https://theuswealthadvisors.com/
 
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
 
Schedule your analysis: https://theuswealthadvisors.com/schedule/
 
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Retirement Planning Is Different For Women: Here’s Why

In this episode, we’ll share some eye-opening statistics and actionable advice to empower women in their financial journey and we’ll do it as a two-part conversation. This first show will focus on the challenges facing women as it relates to the pay gap. Plus, what can you do if you get divorced or become widowed and find yourself having to manage all the finances on your own?
 
Here’s some of what we discuss in this episode:
0:00 – Intro
2:46 – Gender pay gap
6:56 – Divorce
12:11 – Widows
 
Connect with us: https://theuswealthadvisors.com/
 
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
 
Schedule your analysis: https://theuswealthadvisors.com/schedule/
 
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Is it Time to Take Cash Off the Sideline?

We’ve been getting questions lately from people with a lot of money sitting on the sidelines. They’re waiting to jump back in the stock market when they feel comfortable but timing the market is incredibly difficult. Today J’Neanne will break down why this is the case and explain what you should be doing from an individual standpoint if you have substantial cash on the sideline.
 
Here’s some of what we discuss in this episode:
0:00 – Intro
0:51 – What’s behind this trend
3:13 – Risk tolerance
4:16 – What should you do with cash?
 
 
Connect with us: https://theuswealthadvisors.com/
 
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
 
Schedule your analysis: https://theuswealthadvisors.com/schedule/
 
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Will These Apocalyptic Predictions Ever Come True?

On this episode, we’ll try to separate sensationalism from reality by covering the top financial concerns that people have. Should you worry that these apocalyptic predictions will eventually come true? Let’s talk about why or why not these fears are warranted.
 
Here’s some of what we discuss in this episode:
0:00 – Intro
1:03 – Social Security will go broke
4:28 – Future tax rates
7:07 – Climate change
9:01 – Inflation
10:16 – High interest rates
11:33 – Making good financial decisions
 
Connect with us: https://theuswealthadvisors.com/
 
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
 
Schedule your analysis: https://theuswealthadvisors.com/schedule/
 
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Do You Need Long-Term Care Insurance If You're Single and Childless?

Navigating the world of long-term care insurance can be daunting, especially if you're single and without children. In today’s video, we’ll explore why long-term care insurance might be a crucial part of your retirement planning.
We'll explore what it covers, when to consider buying it, and how it fits into your solo journey toward a secure and independent future. So let’s jump in and answer the question of whether you need long-term care insurance if you are single and childless.
 
Here’s some of what we discuss in this episode:
0:00 – Intro
1:00 – What does LTC cover?
2:54 – Who will care for you?
4:58 – Buying LTC insurance
9:52 – Common LTC triggers
 
Connect with us: https://theuswealthadvisors.com/
 
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
 
Schedule your analysis: https://theuswealthadvisors.com/schedule/
 
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Strategic Planning for Retiree Healthcare

In today's show, we're focusing on a critical aspect of retirement planning: healthcare costs. How well-prepared are you to handle medical expenses after you retire? We'll discuss everything from Medicare complexities to strategies for managing unexpected health-related expenses. Tune in as we break down the essentials of healthcare financial planning for retirees.
 
Here’s some of what we discuss in this episode:
0:00 – Intro
1:53 – How prepared is the average pre-retiree?
6:05 – Most common expenses
9:08 – Prescriptions
14:43 – Long-term care insurance
17:50 – Strategies we utilize
 
Connect with us: https://theuswealthadvisors.com/
 
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
 
Schedule your analysis: https://theuswealthadvisors.com/schedule/
 
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End of Year Financial Planning For 2023

Join us as we unpack our 2023 edition of key year-end planning strategies for those nearing or embracing their retirement years. We'll explore the nuances of optimizing your investment portfolio, safeguarding your assets, and ensuring a stable, rewarding lifestyle in the years to come.
 
Here’s some of what we discuss in this episode:
0:00 – Intro
2:59 – General planning and investing strategies
5:12 – Tax Planning
8:00 – Health insurance
11:56 – Income and lifestyle
17:13 – Real estate assets
20:08 – Technology and cybersecurity
23:29 – Generational wealth considerations
 
Connect with us: https://theuswealthadvisors.com/
 
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
 
Schedule your analysis: https://theuswealthadvisors.com/schedule/
 
Want to learn more about financial planning? Subscribe to our YouTube channel and you won't miss a video ➟ https://bit.ly/3XKgOxu 

The Future of Retirement In America: Is The Glass Half Full or Half Empty?

Are we on the brink of a retirement renaissance or stormy seas ahead? On this episode, we jump into the pressing issues of Social Security, healthcare, taxes, stock market trends, and long-term care.
 
Here’s some of what we discuss in this episode:
0:00 – Intro
2:55 – Half full or half empty?
5:32 – Social Security
10:19 – Healthcare affordability
14:25 – Tax rates the next decade
19:23 – Long-term care options
23:43 – Stock market
 
Connect with us: https://theuswealthadvisors.com/
 
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
 
Schedule your analysis: https://theuswealthadvisors.com/schedule/