The Red Zone Retirement Program
In football, the Red Zone is where a team has to make small adjustments to ensure victory. As you approach retirement, you also need to make small adjustments to ensure success. Join John Mears of Mears Money Management each episode as he helps you understand the most important strategies that will help lead you to financial and retirement success. John has more than 20 years of experience providing comprehensive planning services to families throughout the Santa Clarita, California area. On this show, he'll breakdown the essential facets of tax planning, investing, retirement concerns, and much more. If you have a 401(k), IRA, Roth, pension or any other type of retirement account or savings vehicle then this is the show for you. Understand your savings and have some fun along the way with John Mears! Contact John at http://mearsmoney.com or by calling 661-775-3704.
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Steering Clear of Retirement Stress
04/25/2024
Steering Clear of Retirement Stress
Retirement is often portrayed as a time when worries and stress fade away. However, psychologists have determined that retirement is one of the most stressful events that some people will experience in life. In this episode, we’ll look at some ways to proactively deal with the stress surrounding the retirement process. While we like to talk about numbers around here (as it’s a very important part of the planning process), it's equally essential to address the psychological aspects of this transition. As John has observed with clients, your job likely played a significant role in shaping your identity, and stepping away from it can feel disorienting. Tune in as we share a few tips for embracing this new phase of life with confidence, and remind you that a comprehensive plan should consider more than just numbers. Here’s some of what we discuss in this episode: 0:00 – Intro 1:47 – The lifestyle change 5:42 – Embracing new challenges 6:53 – Keeping your options open 9:56 – Keeping your sense of perspective 12:30 – Finding a good advisor 15:10 – Listener Question Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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Expectation vs. Reality: The Truth About Retirement Planning
04/11/2024
Expectation vs. Reality: The Truth About Retirement Planning
Some people just need a reality check when it comes to understanding their retirement. Today, we'll explore why a realistic approach to retirement, inclusive of financial planning and the potential for unexpected challenges, is crucial. The episode kicks off with a candid conversation about the misconceptions of retirement life. The ads make it look easy, but John reminds us that even in retirement, the lawn still needs mowing, and the trash won't take itself out. This isn't to dampen your spirits, but rather to prepare you for the realities that await and to ensure your retirement plan is robust enough to handle them. The episode isn't all about cautionary tales, though. John encourages listeners to dream and share their retirement goals with their financial advisors. Whether it's a second home or a kitchen remodel, he believes in finding ways to make these dreams a reality, (within reason, of course). For this week’s two-minute warning, Wendy asks if her investment in American Funds was the right move. Here’s some of what we discuss in this episode: 0:00 – Intro 1:34 – Manage your expectations 4:04 – Account for changing expenses 5:30 – Be ready to adjust 7:31 – Do be too proud to get help 10:59 – Sharing your dreams with your advisor 12:33 – Listener Question Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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How Is Technology Redefining Retirement Planning?
03/28/2024
How Is Technology Redefining Retirement Planning?
In today’s episode, we’re unpacking the toolbox of innovations that promise to redefine the way we approach financial preparation for retirement. From personal finance management software to the abundance of online calculators, there's no shortage of tools aiming to streamline the planning process. But, do they deliver? Listen in as John and Marc take a critical look at these technological advancements, exploring whether they simplify retirement planning or introduce new complexities. They’ll dive into subjects like Google, do-it-yourself trading platforms, social media influencing, and more. Then, for our two-minute warning, John answers a listener's question about whether or not to take out a life insurance policy. Here’s some of what we discuss in this episode: 0:00 – Intro 1:34 – Google is great, but consider the context 3:44 – Robo-advisors can be helpful, but may not provide comprehensive planning 5:58 – Online calculators are only as accurate as the information inputted into them 8:23 – The limitations of do-it-yourself trading platforms 11:18 – The rise of financial social media influencers 15:15 – Listener question about life insurance Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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Finance Fortress: Practical Strategies for Retirees Against Scams & Fraud
03/14/2024
Finance Fortress: Practical Strategies for Retirees Against Scams & Fraud
As much as any other threat, recognizing and avoiding scams has become a necessary skill for today’s retirees to develop. From robocalls and texts to emails and websites trying to steal your data, scams are coming at us from all angles. Stay tuned as we explore crucial steps you can take to safeguard your financial well-being against the growing tide of scams and identity theft. Learn from real-life stories and gain practical advice to keep your finances secure in this digital era, all from the perspective of a seasoned financial professional. And be sure to stay tuned until the end of the episode, where John answers a listener question from Tess, who asks if she should take out a life insurance policy on her soon-to-be ex-husband. Here’s some of what we discuss in this episode: 0:00 – Intro 5:00 – Phishing, vishing, and smishing 8:36 – Government imposters 10:17 – Family and personalized scams 12:31 – How to better recognize the signs of a scam 15:52 – Protections you can put in place to avoid being scammed 20:31 – Listener question about life insurance Thomson Reuters Article: Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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Working With Client Idiosyncrasies
03/07/2024
Working With Client Idiosyncrasies
John often points out the numerous connections between coaching football and financial planning. Similar to the mix of personalities on a football team, a financial advisor needs to navigate a diverse set of clients, each bringing their unique quirks and learning styles to the table. Whether it's working with clients resistant to technology or those influenced by the ever-shifting political and economic landscape, John has accumulated years of experience guiding individuals toward a successful retirement. As an advisor, his role involves adapting to each person, ensuring everyone is on the same page and moving toward a shared financial goal. Tune in as he shares client stories and recounts how he has successfully worked with various personalities and learning styles throughout his career. For this week’s two-minute warning, John offers advice to a listener struggling with indecision about selling tech stocks and navigating risk in their 401(k). Here’s some of what we discuss in this episode: 0:00 – Intro 2:07 – Clients that hesitate to use technology 4:59 – Those who want to take the engine apart 6:55 – Adapting to different learning styles 9:41 – Clients who let politics drive the car 12:53 – Listener question Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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How One Overlooked Issue Can Sink Your Retirement
02/15/2024
How One Overlooked Issue Can Sink Your Retirement
Imagine your retirement plan as a ship sailing toward a horizon of rest and relaxation. But what if one leak could sink it all? In today’s episode, we spotlight some of the single oversights that could send your dreams to the bottom. We'll share key strategies to plug the gaps, ensuring your financial ship stays buoyant and on course. Tune in to protect your future from the one mistake that could derail everything. And don't forget to stick around for this week’s two-minute warning, where Dorothy asks for advice on financial gifting options to support their daughter, who needs to take time off work due to a new grandbaby's extended hospital stay. Here’s some of what we discuss in this episode: 0:00 – Intro 1:57 – Outliving your money 4:10 – Inflation creep 9:00 – Healthcare expenses 11:39 – The stock market 15:00 – Rising taxes 19:26 – Listener question Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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Will the Economy Boom or Bust in 2024?
01/25/2024
Will the Economy Boom or Bust in 2024?
Everyone wants to know. Will the economy boom or bust in 2024? Join us as we explore a range of expert predictions, from the shifting trends in housing prices to the looming question of a potential recession or stock market crash. We'll balance our discussion with both optimistic and pessimistic perspectives from an array of sources to give you a comprehensive view. Tune in to navigate the uncertainties and opportunities of 2024's economic landscape and equip yourself with knowledge for the year ahead. Here’s some of what we discuss in this episode: 0:00 – Intro 2:24 – Housing prices 7:46 – Chance of a recession 11:52 – The stock market 18:57 – Listener question Resources From Today's Show: Housing Market Articles- Recession Article- Stock Market Articles- Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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2024’s Retirement Landscape: What You Need To Know
01/11/2024
2024’s Retirement Landscape: What You Need To Know
We’re kicking off the New Year by discussing the financial challenges and changes that could impact your retirement in 2024. Listen in as we discuss potential interest rate cuts, inflation’s impact on borrowing costs, and this year’s COLA increase. We’ll also chat about the changes that are coming with the SECURE Act 2.0, the market outlook for 2024, and Medicare changes that you need to be aware of. Stay tuned as we discuss the importance of having a comprehensive financial plan as we navigate the uncertainties ahead. Here’s some of what we discuss in this episode: 0:00 – Intro 1:16 – Rate cuts + Inflation 3:37 – Social Security tax bill 5:23 – SECURE Act 2.0 changes 8:40 – Medicare updates 10:22 – Navigating an election year 17:16 – Listener question Biggest Retirement Changes in 2024 Article: Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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Answering Your Questions: Taxes with Charitable Donations, Retiring with $500k, & More!
12/28/2023
Answering Your Questions: Taxes with Charitable Donations, Retiring with $500k, & More!
This week on the Red Zone Retirement Program, John is answering some recent listener questions. We love doing episodes like this so that you can gain some valuable takeaways from real-life scenarios! Dan asks whether recent changes in tax laws have reduced the tax benefits of making charitable donations at the end of the year. Another listener asks where they should save money temporarily if they are not eligible for a 401K match until six months into their new job. John shares his thoughts on New Year’s resolutions for this week's two-minute warning. Here’s some of what we discuss in this episode: 0:00 – Intro 2:27 – Question 1: Charitable Donations 5:30 – Question 2: Retiring with $500K? 10:36 – Question 3: Not Eligible For 401K 13:07 – Question 4: Debt As A Tool? 19:11– 2 Minute Warning: New Year’s Resolutions Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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Questions You Must Ask Your Financial Advisor
12/14/2023
Questions You Must Ask Your Financial Advisor
Have you ever wondered what questions to ask your financial advisor, or why those questions are crucial? In today’s episode, we’re tackling exactly that. We're discussing the vital questions that bring transparency and depth to your financial advisory relationship. It's about getting clarity on how advisors work, what they specialize in, and how they align with your financial goals. These are the questions you MUST ask your financial advisor. Here’s some of what we discuss in this episode: 0:00 – Intro 2:02 – Compensation 6:11 – Typical client 8:18 – Investment philosophy 10:10 – Specialty or strengths 12:52 – Communication style + resources 16:14 – Emergency situations 20:16 – Listener question Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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Santa’s Naughty or Nice Investment Guide
11/30/2023
Santa’s Naughty or Nice Investment Guide
In this episode, we’ll sift through a sleigh-full of financial products and strategies to find out which ones deserve a spot in your financial stocking this year, and which ones are the proverbial lumps of coal. This will be an educational episode for all investors, whether you’ve been financially naughty or nice this year... Listen in as John and Marc explore topics like options and futures, retirement index funds, precious metals, and whole life insurance and offer insights into their potential impact on your financial strategy. For this week’s Two Minute Warning segment, John tackles a listener question about withdrawal rates in retirement. Stay tuned for a mix of financial wisdom, humor, and practical insights in this festive episode of the Red Zone Retirement Program! Here’s some of what we discuss in this episode: 0:00 - Intro 2:10 – Options & futures 5:26 – Retirement index funds 7:59 – Precious metals 10:57 – Whole life insurance 14:54 – Risk assessment score 19:37 – Listener question Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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The Ultimate Retirement Planning Mixtape
11/16/2023
The Ultimate Retirement Planning Mixtape
Get ready to rock to the rhythms of retirement wisdom in this week’s episode! We've put together the ultimate retirement planning playlist, featuring timeless lyrics that reflect various stages of the planning journey. From setting financial goals to finding purpose in your golden years, this playlist sets the stage for important discussions about crafting your dream retirement. Drawing inspiration from AC/DC, Journey, Aerosmith, Michael Jackson, and more, this episode explores the role of consistency and patience in the retirement planning journey. We also discuss the importance of having a vision for the future and strong support systems along the way. As the episode concludes, John tackles a listener question about using short-term loans for home closing costs and offers alternative strategies for consideration. Here’s some of what we discuss in this episode: 0:00 – Intro 2:25 – Consistency and patience 8:43 – The dreaming process 12:13 – The couple’s mixtape 14:26 – Leaning on your advisor 17:54 – Listener question Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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Retirement Planning for High-Net-Worth Individuals
10/26/2023
Retirement Planning for High-Net-Worth Individuals
In today's episode, we're taking a close look at high-net-worth individuals - those who have accumulated significant wealth and face unique challenges and opportunities when planning for retirement. Unlike the average person, their financial considerations go beyond the basics. We'll explore the distinct strategies and factors that come into play when securing a comfortable and prosperous retirement. Here’s some of what we discuss in this episode: 0:00 – Intro 1:34 – Defining high-net-worth 3:32 – Complexities 7:44 – Taxation 8:51 – Estate planning 10:24 – Liabilities 12:59 – Myth #1 15:47 – Myth #2 Book an appointment with us: https://mearsmoneymanagement.as.me/schedule.php Get in touch with us: https://mearsmoney.com/ Watch the Podcast on YouTube: https://bit.ly/3PmcOPM
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Retirement Planning’s “Hidden” Questions
10/12/2023
Retirement Planning’s “Hidden” Questions
The retirement planning world is filled with plenty of advice and suggestions, but there are critical questions lurking in the shadows – the unasked, the overlooked. These are the questions that can help define the comfort and security of your retirement future. On this episode, we unearth and tackle these essential questions about retirement that often get overlooked or put off because we might be focused on other aspects of retirement. John will tell you why each of these questions needs your attention and how the answers will impact your retirement. Here’s some of what we discuss in this episode: 0:00 – Intro 1:30 – Taxes owed on tax-deferred savings 4:45 – How much can you withdraw from savings each year? 7:30 – Life insurance in retirement 10:17 – Health care coverage over and beyond Medicare 13:35 – Fees and commissions 17:33 – Inflation Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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Navigating Finances After Losing a Spouse: Strategies & Mistakes to Avoid
09/21/2023
Navigating Finances After Losing a Spouse: Strategies & Mistakes to Avoid
Losing a spouse is an unimaginably tough life event, but the financial implications can add another layer of stress to the grieving process. In this episode, we delve deep into the most common financial issues faced by widows and widowers, from dealing with income gaps to navigating tax changes as a single filer. We explore actionable strategies to address these problems, such as the importance of life insurance and the ins and outs of spousal pension continuation. This is the episode for you if you’re concerned with ensuring the financial well-being of your remaining family members and safeguarding your financial future and legacy in the face of loss. Here’s some of what we discuss in this episode: 0:00 – Intro 2:38 – The income gap 3:45 – Filing single on your taxes 4:58 – Solving the income gap issue 9:19 – Focusing on legacy planning 12:26 – Communicating your wishes 16:57 – The Two-Minute Warning Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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Are There Universal Retirement Truths?
09/07/2023
Are There Universal Retirement Truths?
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? Dive deep in this episode, where we juxtapose the individuality of retirement plans with the foundational principles that remain consistent across the board. The five truths we share today apply to everyone planning for retirement. If you make sure you are aware of these and address them within your plan, you’ll avoid the issues that these things could create for you in retirement. Here’s some of what we discuss in this episode: 0:00 – Intro 3:03 – Long term care 5:03 – You can’t time the market 7:49 – Our longevity is an unknown 10:20 – Tax implications matter 14:06 – Estate planning isn’t just for the wealth 17:58 – Two-minute drill Get in touch: Phone: 661-775-3704 Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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Retirement: Ready Or Not, Here It Comes
08/24/2023
Retirement: Ready Or Not, Here It Comes
Are you nearing “retirement age?" If so, let’s explore that pivotal question you’ll soon face: Should you retire or continue working? People aren’t ready to retire for all kinds of reasons but our job is to help determine why and address the root of the problem so you can have the freedom to retire on your own schedule. In this episode, we’ll unravel the intricacies of this decision, addressing both financial and emotional aspects, and help you find out if you’re truly ready to retire. Here’s some of what we discuss in this episode: 0:00 – Intro 1:54 – Not ready to retire as a defense mechanism 3:56 – Don’t pick an arbitrary number for retirement 6:36 – Where does lack of confidence come from? 11:08 – Being direct and honest with someone who isn’t ready 15:16 – Two-minute drill Book an appointment with us: Get in touch with us: Watch the Podcast on YouTube:
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Building An Estate Plan With No Regrets
08/10/2023
Building An Estate Plan With No Regrets
There are some people who don’t care at all about leaving a financial legacy, but for those who do, it’s important to eliminate some of the common estate planning mistakes. In this episode, we cover topics ranging from poor expense planning to outdated beneficiary designations and family conflict triggers. We also shed light on some misconceptions about transferring real estate and explain the impact of tax implications on your estate. If you want to leave a legacy without regret or legal turmoil, this episode is a great starting point. Here’s some of what we discuss in this episode: 0:00 – Intro 1:42 – Failing to plan for expenses that can be foreseen 6:35 – Long term care can deplete retirement 8:03 – Failing to update beneficiary designations 10:34 – Taking steps to avoid conflict with heirs and family 13:55 – Transferring real estate while living instead of at death 16:36 – Tax implications of your estate 19:24 – Two-minute drill Get in touch: Website: Phone: 661-775-3704
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Mastering Retirement Cash Flow: Understanding Income (Part 2)
07/27/2023
Mastering Retirement Cash Flow: Understanding Income (Part 2)
Get ready for part two of our Retirement Cash Flow series! This time, we're diving into the income side of the equation. In part one, we tackled the ins and outs of your expenses in retirement. Now, it's 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. Tune in and take charge of your retirement cash flow! Get in touch: Website: Phone: 661-775-3704
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Mastering Retirement Cash Flow (Part 1): Understanding Changing Expenses
07/13/2023
Mastering Retirement Cash Flow (Part 1): Understanding Changing Expenses
In this episode, we’ll explore many of the expenses in your life that might drastically change (one way or another) in retirement. We’ll break those expenses down further to see which ones are the top priorities and analyze some of the other factors that impact your cash flow in retirement. Get in touch: Website: Phone: 661-775-3704
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Mailbag: Is My Advisor's Fee Too High?
06/22/2023
Mailbag: Is My Advisor's Fee Too High?
Welcome back to The Red Zone Retirement Program! In today's episode, we will be answering some mailbag listener questions that have come our way. Tune in as we discuss advisor fees, giving money to your heirs while you are still living, and some possible Roth strategies. Get in touch: Website: Phone: 661-775-3704
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Bad Money Habits Could Spoil Your Retirement Party
06/08/2023
Bad Money Habits Could Spoil Your Retirement Party
Picture this: You're at your retirement party, finally ready to enjoy your golden years, but worries caused by some bad money habits have robbed you of fully enjoying the sweetness of the day. It happens to more people than you think, which is unfortunate because with just a little bit of modification, you can rid some of the worst money habits from your life and set yourself up for retirement success. Join us as John covers some of the bad money habits that you want to avoid in your financial planning journey. Get in touch: Website: Phone: 661-775-3704
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Ep 39: Unsure, Confident, or Certain: Retirement Planning Next Steps
05/25/2023
Ep 39: Unsure, Confident, or Certain: Retirement Planning Next Steps
It’s not just the financially uncertain who need to think carefully about their retirement plan. Even those who feel confident in their retirement savings might still have important questions to answer and decisions to make. In this episode, we'll explore the three retirement planning mindsets: those who have no idea if they can retire, those who think they have enough money to retire, and those who know for sure they have enough money to retire. We'll discuss the key considerations and next steps for each of these mindsets to help you prepare for a fulfilling retirement. Get in touch: Website: Phone: 661-775-3704
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Ep 38: Retiring With Honors: Financial Planning Lessons From The Classroom
05/11/2023
Ep 38: Retiring With Honors: Financial Planning Lessons From The Classroom
From time to time, we like to look at issues faced by people in other professions outside of the financial world and see what kind of retirement planning lessons we can learn from them. Today, we’re headed to the classroom to see what we can learn from teachers and the issues they face. Join us as we draw meaningful parallels between teaching and financial coaching. Get in touch: Website: Phone: 661-775-3704
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Ep 37: Top Social Security Myths, Part 2
04/27/2023
Ep 37: Top Social Security Myths, Part 2
Unfortunately, there are a lot of myths about Social Security out there. In this episode, we'll debunk these common myths and answer the Social Security questions you've been curious about. This is part 2 of our Social Security conversation, where we will break down the remaining 5 Social Security myths. Get in touch: Website: Phone: 661-775-3704
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Ep 36: Top Social Security Myths, Part 1
04/13/2023
Ep 36: Top Social Security Myths, Part 1
Have you ever wondered if the Social Security system will run out of money before you retire? Or if claiming benefits as soon as you're eligible is the best decision for your financial future? In this episode, we'll be debunking common myths about Social Security and answering the questions you've been curious about. Get in touch: Website: Phone: 661-775-3704
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Ep 35: Mailbag: Should I Push My Retirement Date Back?
03/23/2023
Ep 35: Mailbag: Should I Push My Retirement Date Back?
It's a mailbag edition of the podcast. On this episode, we will be discussing if you should get rid of your life insurance once your children have moved out, how the social security spousal benefit option works, and if it's a good idea to push your retirement date back. Get in touch: Website: Phone: 661-775-3704
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Ep 34: Retirement Savings Basics: What’s The Purpose Of All My Accounts?
03/09/2023
Ep 34: Retirement Savings Basics: What’s The Purpose Of All My Accounts?
Are you aware that not all retirement accounts are created equal? It's crucial to understand the purpose and advantages of each type of account to make the best choice for your future. In this episode, we'll delve into the different types of retirement accounts, including 401(k)s, IRAs, Roths, and several other examples. We’ll help you weigh the pros and cons of each and give you insights into the purposes they serve so that you can make an informed decision. Join us and discover why understanding the purpose of these accounts is essential for securing a comfortable retirement. Get in touch: Website: Phone: 661-775-3704
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Ep 33: The Incomplete Financial Plan
02/23/2023
Ep 33: The Incomplete Financial Plan
Are you confident that your financial plan is complete? Many people believe they have a solid plan in place, only to realize later that they've missed important areas. From not accounting for long-term care expenses to overlooking the impact of taxes on retirement income, there are many ways a financial plan can be incomplete. On this episode, we'll be pointing out the most common areas people overlook when planning and provide actionable tips to ensure that your plan is as comprehensive as possible. Get in touch: Website: Phone: 661-775-3704
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Ep 32: Top Tax Questions For Retirees In 2023
02/09/2023
Ep 32: Top Tax Questions For Retirees In 2023
Retirement can come with a lot of tax questions and concerns. From understanding the tax implications of withdrawing from your retirement accounts to minimizing taxes on investment income, it can be overwhelming. On today’s episode, we’ll break down the top ten tax questions retirees are asking in 2023. Before you file your 2022 taxes and plan ahead for the rest of the year, make sure to listen to this episode as we’ll discuss some important tax questions that retirees should ask themselves to ensure they're making the most of their retirement savings and minimizing their tax burden. Get in touch: Website: Phone: 661-775-3704
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