Rockin’ Retirement with J’Neanne Theus

The Universal Truths in Retirement

Retirement is a unique journey for each of us. The thought that there's a one-size-fits-all solution is a myth, but what if we told you there are certain universal truths that can guide every retiree? Today we’re going to tell you about the things that everyone will need to take into account when planning for their retirement. We all might address them in our own personal way, but all of these universal truths need to be factored into retirement.
Plus, we’ll dive into an article we found on artificial intelligence and its role in financial planning. Can it provide you with enough guidance to replace a human financial advisor? We’ll share the results on the show and get J’Neanne’s thoughts on the role AI can play in planning.
 
We’ll also find out what J’Neanne feels is the most beautiful place she’s ever visited during our getting to know segment, and we’ll close the show out with a great question about how much is okay to spend on a forever home in retirement. There’s a lot to discuss today so let’s get started!
 
Here’s some of what we discuss in this episode:
0:00 – Intro
2:02 – AI vs Financial Advisor
11:48 – Universal retirement truths
23:10 – Getting to Know J’Neanne – Most beautiful place to visit
26:25 – How much is too much to spend on our forever home?
34:34 – 7 Secrets to a Smart Retirement
 
Connect with us: https://theuswealthadvisors.com/
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
Schedule your analysis: https://theuswealthadvisors.com/schedule/

The Domino Effect: How One Mistake Can Ruin Your Retirement Plan

Ever heard of the domino effect? Well, in retirement planning, just one misstep can topple your entire future. Today, we'll explore the key areas that need careful attention to ensure a solid retirement plan.
We’ve identified five potential financial pitfalls that can lead to additional problems for you in retirement, but J’Neanne will share some tips on how to avoid these common problems.
 
Here are some of the things you’ll learn in this episode:
0:00 – Intro
1:41 – Possibility of outliving your money
4:34 – The creep of inflation
9:10 – Expense of a nursing home stay
13:46 – Volatility of the stock market
14:50 – Threat of rising taxes
17:08 – Getting to Know J’Neanne
20:01 – Listener question
 
Connect with us: https://theuswealthadvisors.com/
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
Schedule your analysis: https://theuswealthadvisors.com/schedule/

Mastering Cash Flow in Retirement: Understanding Income Planning

This show is all about understanding the crucial role of income analysis. We'll uncover the secrets of guaranteed income versus the uncertain stuff and shed light on the consequences of retiring without a clear income plan. Don't worry if you're feeling lost - we've got your back with practical solutions and expert guidance.
Plus, we’re going to get J’Neanne’s perspective on the prevalence of scams and how she’s helping her clients navigate them. Then we’ll learn more about J’Neanne away from the office and we’ll close out the show with a few of your financial questions.
 
Here are some of the things you’ll learn in this episode:
0:00 – Intro
1:34 – Let’s talk types of scams
7:52 – What we tell clients
11:46 – Getting to Know J’Neanne
18:09 – Importance of retirement income
21:46 – Diversity of revenue streams
25:39 – Guaranteed vs non-guaranteed income
33:00 – Mailbag questions  
 
Watch 'What happens when you reply to spam' video -
https://www.youtube.com/watch?v=4o5hSxvN_-s 
 
Connect with us: https://theuswealthadvisors.com/
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
Schedule your analysis: https://theuswealthadvisors.com/schedule/

5 Biggest Money Mistakes in Retirement

We’re back and busier than ever for our first episode of the newly launched Rockin’ Retirement show. We have a lot to cover in this show with a primary focus on the five big money mistakes that people make in retirement. But we’re also going to address the concern that Social Security is going broke and answer the financial questions you’ve sent us.
Here are some of the things you’ll learn in this episode:
0:00 – Intro
2:31 – Headlines: Is Social Security Going Broke?
9:03 – Money mistake 1: Taking Social Security too early     
11:45 – Money mistake 2: Taking Advice from Friends and Family
15:13 – Money mistake 3: Failing to Review and Update Your Plan
18:10 – Money mistake 4: Assuming You Won’t Live That Long       
22:08 – Money mistake 5: Sequence of Returns Risk    
25:05 – Answering your financial questions    
 
Connect with us: https://theuswealthadvisors.com/
Get your free toolkit: https://u3ehfk92.pages.infusionsoft.net/
Schedule your analysis: https://theuswealthadvisors.com/schedule/

What You Need to Know About SDBAs

Coming up on this edition of Your Financial Mission, we are talking about SDBAs. We will discuss what they are, their benefits, their cons, and how they are used.
If you’re a doctor or a defense contractor, you have probably seen it inside your plans or portfolio. SDBAs (Self Directed Brokerage Accounts) are essentially a sleeve on the 401k or 403b that allows you to self-direct. Listen to the episode to learn more about how they may benefit you.
Here's some of what you will learn from today's mission:
How SDBAs can help diversify your risk. (5:42)
The benefits of using an SDBA vs. a normal brokerage account. (8:21)
The top struggles with clients that have SDBAs. (11:28)
7 Secrets To A Smart Retirement Plan Toolkit: https://bit.ly/3Njh9SI
Learn More: https://theuswealthadvisors.com/
Connect with us: info@theuswealthadvisors.com
Call our office: (443) 718-6310

How Bonds Work: What Retirees Need to Know

There is a lot of noise in the media about bonds currently. Many are wondering if they should stay in bonds, how safe bonds actually are, and what voices they should listen to for advice. Every situation is different, so you should always speak to an advisor.
 
Today, we will try to address the basics of bonds, and some of the common concerns surrounding them. Let’s dive in and see if bonds may still be worth your while.
Here's some of what you will learn from today's mission:
Should a retiree be in bonds despite the negative news surrounding them in our current market? (12:25)
Are bonds safe? How can you diversify your investments and still generate an income? (18:29)
Why investors need to understand the market’s history. (21:23)
7 Secrets To A Smart Retirement Plan Toolkit: https://bit.ly/3Njh9SI
Learn More: https://theuswealthadvisors.com/
Connect with us: info@theuswealthadvisors.com
Call our office: (443) 718-6310

Controlling Emotions When Planning for Retirement

In this episode, we’re going to share stories with you of times when emotions like fear, greed, and pride led someone astray in their financial decisions. We’ll even cover the role of positive emotions like hope and joy in retirement planning.
If you want to better understand and control your emotions to experience a better financial future, then this is the show for you. Our goal is to give you the tools to navigate these emotions to you can make the right decisions, without being led by emotions.
Here's some of what you will learn from today's mission:
The longest bull market in history sparked greed in some investors. Greed can get in the way of logic, and you can learn how to navigate that here. (5:47)
Fear can make you sell at the wrong time, after a market crash. If you are experiencing fear, here are our thoughts on that. (8:55)
Hope is wonderful, but it is not a financial strategy. (14:01)
The tragic story fueled by guilt when an advisor lost money for a client. This topic may be sensitive for some listeners. (23:18)
7 Secrets To A Smart Retirement Plan Toolkit: https://bit.ly/3Njh9SI
Learn More: https://theuswealthadvisors.com/
Connect with us: info@theuswealthadvisors.com
Call our office: (443) 718-6310

Her Wealth Matters Series: If Only You Had Hindsight

“Knowing what we know now…” is a phrase you hear a lot, especially lately. If you knew ahead of time, what would you do differently? What can we learn from these financial mistakes? We reflect and talk about the lessons learned on today's episode.
Today's show schedule: 
1:46 - Being too scared meant too conservative with investments.
2:50 - Too much risk you didn’t realize until the market crash.
4:04 - Misunderstanding Social Security can cause panic later on.
5:23 - Wishing you put more money in Roth IRAs.
7:01 - Retiring too early and needing to go back to work.

Her Wealth Matters Series: When The Customer Isn’t Always Right

When you work with a financial advisor, you’re likely coming to them for financial advice and expertise. But what about that saying, “the customer is always right”? Is that still true?   
Today's show schedule: 
1:42 - “I think I can time the market.” 
3:19 - “I know what I want to invest in, just pick the funds for me.”
5:04 - “I don’t need to spend the money on life insurance or long-term care.”
6:35 - “The fees are too high!”
8:23 - “My accounts are down right now, this isn’t working.”

Her Wealth Matters Series: Avoiding Financial Lies and Mistruths

You can’t believe everything you hear, right? What statements and concepts in the financial world should you take with a grain of salt? Can you tell what’s marketing and what’s real?  
Today's show schedule: 
1:29 - “We can beat the market.”
2:57 - “There are no fees!”
4:07 - “There’s no risk!”
5:34 - “Taxes will be lower in retirement.”
7:02 - “Never pay off your house early when interest rates are low.”
10:53 - “It’s just a paper loss.”