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Ep 20: Charitable Giving with Cindy Blake

Retire With Confidence

Release Date: 12/06/2022

Ep 84: Life Insurance Planning for Retirement show art Ep 84: Life Insurance Planning for Retirement

Retire With Confidence

In this episode, Dave Zaegel discusses the use of life insurance in retirement planning, specifically in relation to pension payouts. He explains the reasons why someone might want to keep a life insurance policy in retirement, such as health issues or the desire to leave a financial legacy. Dave then explores how life insurance can be used to enhance pension payouts, providing an example to illustrate the concept. He emphasizes the importance of evaluating different payout options and considering one's health when considering life insurance in retirement planning.   Takeaways Life...

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Ep 83: Life Insurance Planning - Types of Plans show art Ep 83: Life Insurance Planning - Types of Plans

Retire With Confidence

In this episode, Dave discusses the importance of life insurance in retirement planning. He explains that while life insurance is commonly associated with younger individuals, there are situations where it can be beneficial for retirees. He then provides an overview of different types of life insurance policies, including term insurance, whole life insurance, and universal life insurance. He emphasizes the need to keep life insurance planning simple and evaluate options based on individual needs and goals.   Takeaways Life insurance can play a role in retirement planning by providing a...

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Ep 82: Risk Tolerance Questionnaires are (Mostly) Garbage show art Ep 82: Risk Tolerance Questionnaires are (Mostly) Garbage

Retire With Confidence

In this episode, Dave Zaegel discusses the limitations and problems with risk tolerance questionnaires commonly used in retirement planning. He emphasizes the importance of individualized retirement planning and the need for a comprehensive plan that aligns with the client's goals and needs. Risk tolerance questionnaires should only be used as a supplement to the plan, providing small adjustments based on the client's comfort level. Dave cautions against relying solely on these questionnaires and highlights the role of proper investment structure in supporting the plan. Takeaways: Risk...

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Ep 81: Don't Get Hurt (Too Badly) show art Ep 81: Don't Get Hurt (Too Badly)

Retire With Confidence

In this episode, Dave Zaegel discusses the importance of not getting hurt in retirement, both in terms of health and finance. The primary focus is on injury prevention and maintaining physical well-being as we age. Additionally, Dave explores the need for growth and investment strategy in retirement planning, while also emphasizing the importance of avoiding major financial setbacks. He highlights the significance of creating a safety net and balancing risk with long-term growth. Takeaways: Prioritize injury prevention and maintaining physical well-being in retirement. Invest in growth...

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Ep 80: The 4% Rule - Suze Orman Article Review show art Ep 80: The 4% Rule - Suze Orman Article Review

Retire With Confidence

In this episode, Dave Zaegel discusses an article that criticizes the 4% Retirement Rule. The article claims that withdrawing 3% is safer and suggests working until age 70 or longer. Dave disagrees with this viewpoint and explains that withdrawal rates can be higher depending on individual circumstances. He emphasizes the importance of structuring finances properly, setting up income buckets, and reducing taxes through tax planning. Dave encourages retirees to enjoy their money while they are still able to do so comfortably. Ultimately, he advises seeking professional advice to determine an...

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Ep 79: Best Way to Handle QCDs show art Ep 79: Best Way to Handle QCDs

Retire With Confidence

In this episode, Dave Zaegel discusses Qualified Charitable Distributions (QCDs), explaining how they work and why it's beneficial to make them directly from a traditional IRA to the charity. He advises setting up a separate IRA account specifically for charitable distributions and explains how this can simplify the process and ensure proper reporting on tax returns. Dave concludes by reminding listeners that the podcast provides general information and should not be considered personalized advice.

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Ep 78: Do Hard Things In Retirement show art Ep 78: Do Hard Things In Retirement

Retire With Confidence

In this episode, Dave Zaegel discusses the importance of doing hard things in retirement to prepare both mentally and physically. He shares his experience completing a challenging 75-day program and explains how it rewires the brain in a positive way. Dave encourages listeners to step outside their comfort zone, try something challenging, and continue doing so throughout retirement.    *This episode is sponsored by *   Takeaways Do hard things in retirement to have a long-term impact on their retirement. Step outside of your comfort zone and engage in activities that...

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Ep 77: Take Action for 2024 show art Ep 77: Take Action for 2024

Retire With Confidence

In this episode, Dave Zaegel emphasizes the importance of taking action in 2024. He discusses how financial planning often involves motivating clients to take necessary steps, such as estate planning and tax projections. He specifically highlights the importance of taking action in retirement planning and announces an opening for new clients.    *This episode is sponsored by *   Takeaways Taking action is crucial in financial planning and can lead to positive outcomes. New Year's resolutions can be a great opportunity to take action and improve one's life. Taking...

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Ep 76: The World Is Not Ending show art Ep 76: The World Is Not Ending

Retire With Confidence

In this episode, Dave Zaegel discusses the importance of maintaining a positive outlook and focusing on the good things in life, especially when it comes to planning and investing. He highlights the tendency to focus on negativity and fear, particularly in relation to the stock market.   Dave emphasizes the need to recognize that things often go right more often than they go wrong. He encourages listeners to stay positive, plan for potential risks, and take advantage of buying opportunities in the stock market. Ultimately, he reminds us that the world is not ending and that a long-term...

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Ep 75: Long Term Care Planning with Lily Vittayarukskul show art Ep 75: Long Term Care Planning with Lily Vittayarukskul

Retire With Confidence

In this episode, Dave Zaegel interviews Lily Vitairuk School, the founder and CEO of Waterlily, about long-term care planning. Lily shares her personal experience of caring for a loved one and the challenges it brought to her family. She explains how Waterlily's software uses AI to help families and financial advisors plan for long-term care by providing personalized cost estimates and insights.     The conversation highlights the importance of proactive planning, overcoming biases, and involving family members in the decision-making process. Lily also mentions the resources...

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In this episode, we are joined by Cindy Blake, Business Development Officer with YouthBridge Community Foundation.  She discusses her own background that led her to helping donors plan their charitable giving, some of her favorite stories from working with donors, how donors can utilize vehicles such as Donor Advised Funds for the charitable giving and tax planning, and how YouthBridge can help in those charitable giving efforts.

Cindy Blake - LindedIn Profile:

https://www.linkedin.com/in/cindyblake/