Your Retirement Radio With Kevin Madden
Join Kevin Madden for helpful answers to the retirement planning questions and concerns that keep you up at night.
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Navigating Retirement Amidst Political Storms: Elections, Portfolios, and Financial Planning
11/28/2023
Navigating Retirement Amidst Political Storms: Elections, Portfolios, and Financial Planning
A recent survey revealed that 45% of investors believe political outcomes carry more weight than market returns. Host Jess raises crucial questions about how clients factor politics into their investment decisions. Kevin shares insights on how political concerns may lead some individuals to stay on the investment sidelines, missing out on market rallies. However, Madden emphasizes the importance of a long-term retirement plan that extends beyond political cycles. Whether facing good or bad markets, presidents, or economic conditions, a well-balanced strategy is essential for weathering any financial storm. The conversation touches on key factors like inflation, market volatility, and economic uncertainties. Kevin outlines the role of guaranteed income sources and prudent money management in achieving a secure retirement. He stresses the necessity of having a written plan, not just vague notions, and discusses the detailed retirement road map he creates for clients. Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Unlocking Hidden Wealth: The Hunt for Unclaimed 401K Assets
11/21/2023
Unlocking Hidden Wealth: The Hunt for Unclaimed 401K Assets
Did you know that an estimated 1/4 of 401K assets, totaling a staggering $165 trillion, go lost and forgotten when individuals leave their jobs? In this episode, Kevin and his guests explore the reasons behind this phenomenon and discuss the steps you can take to uncover potential hidden treasures in your retirement accounts. Worried that you might have left thousands of dollars behind? Kevin provides practical tips on how to navigate state databases, check your employment history, and ensure you haven't overlooked valuable assets. Learn how a little effort today can lead to significant financial benefits in the future. Don't miss out on the opportunity to unlock hidden wealth! Tune in now to learn how you can take control of your retirement finances. Visit MaddenWealth.com for more information. Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Decoding the Social Security Dilemma: Maximizing Your Retirement Income Strategy
11/14/2023
Decoding the Social Security Dilemma: Maximizing Your Retirement Income Strategy
Will Social Security go broke? IF it does, how will it impact your retirement plan? Unravel the myths and uncertainties surrounding Social Security's future, with insights into the potential changes and their effects on benefits. Discover the strategic considerations for optimizing your Social Security payments, including when to start, defer, or plan for alternative scenarios. Kevin emphasizes the importance of incorporating Social Security decisions into your overall financial roadmap, ensuring a guaranteed lifetime income. Call Kevin TODAYto navigate the complexities of Social Security and make informed decisions for a prosperous retirement! Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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iBonds vs. Fixed Annuities: Making the Right Choice for Your Retirement Savings
11/07/2023
iBonds vs. Fixed Annuities: Making the Right Choice for Your Retirement Savings
Join us as we discuss the recent changes in iBond interest rates, their long-term benefits, and whether it's time to cash in. Kevin shares insights on fixed annuities that offer guaranteed returns and explains why they might be a compelling option for securing your financial future. Discover how these investment tools can help you make informed decisions and enhance your retirement strategy. Don't miss out on this valuable advice to ensure your retirement is financially secure. Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Unlocking Earnings Season Insights: Strategies for Retirement Planning
10/31/2023
Unlocking Earnings Season Insights: Strategies for Retirement Planning
As Wall Street gears up to report on the third-quarter performance of companies, we discuss the potential market volatility and how to navigate it. Discover valuable insights from financial experts, including Jason Katz of UBS, who shares his optimism amid this earnings season. Gain a deeper understanding of why this earnings period is projected to be the first positive one in a while, with a potential 12% earnings growth on the horizon. Kevin Madden emphasizes the importance of not panicking in the face of volatility, instead suggesting a strategy of repurposing within the market. As life expectancies increase, learn why planning for a 25 to 30-year retirement is becoming the norm and how having a robust financial plan can make all the difference. We also explore the evolving landscape of annuities and how higher interest rates are creating opportunities for retirees. Kevin explains how you can trade older annuity contracts for newer ones, offering higher returns and additional benefits such as ADL doubler payouts. If you're looking for expert guidance on retirement planning and ensuring your financial stability, now is the time to tune in. Don't miss the chance to secure your financial future and make the most out of earnings season. Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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How to Balance Your Retirement Dreams
10/24/2023
How to Balance Your Retirement Dreams
Many of us eagerly anticipate retirement, envisioning the freedom to pursue our hobbies and passions. However, not all transitions to retirement are smooth, and some individuals find themselves grappling with financial stress and boredom. Is there an alternative to traditional retirement, a way to stay engaged and fulfilled? Our discussion uncovers the concept of partial retirement, where individuals return to the workforce by choice, seeking personal fulfillment and interactions rather than necessity. We hear from experts and delve into the importance of educating the younger generation on financial responsibility, especially when making choices that could impact their future. Join us as we explore the future of retirement planning and the critical conversations that can help you prepare for a fulfilling retirement. . Don't let your concerns haunt you in the future; address them today. Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Seizing Opportunity: Higher Interest Rates & Portfolio Reviews
10/17/2023
Seizing Opportunity: Higher Interest Rates & Portfolio Reviews
Volatility in the stock market and record-high interest rates are dominating the headlines, but what opportunities do these conditions bring for your retirement savings? Learn how you can enhance your financial portfolio by making the most of these elevated rates. Discover strategies to balance safety and risk in your investment approach. Kevin addresses the importance of conducting regular portfolio reviews. When should you do a deep dive and revamp your investment strategy? Find out how often you should meet with your advisor, why it's essential, and how it can ensure you stay on track towards your financial goals. Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Maximizing Your Returns: Money Markets, Annuities, and Retirement Tax Planning
10/10/2023
Maximizing Your Returns: Money Markets, Annuities, and Retirement Tax Planning
Are you aware that for the first time in 22 years, cash is outperforming the S&P 500 in terms of returns? If you've been stashing cash under your mattress, you might be surprised to learn that you're ahead of the game. Yahoo Finance's Jared Blick Reese discusses how a staggering $925 billion has flowed into money markets this year alone. The landscape of investing has shifted, and the calculus is different but, Kevin can help you navigate these changes successfully! Annuities are more popular than ever right now - wanna guess why? Kevin explains how fixed annuities are offering a guaranteed 6% return over several years with zero risk and no fees. Imagine securing your financial future with a predictable income stream. They also address the question of how long this opportunity will last and strategies to make the most of it. If you're interested in exploring money market opportunities, maximizing returns through fixed annuities, or want to better understand the tax landscape of retirement, and take control of your financial future and secure a comfortable retirement. #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Uncovering Hidden Fees: Are You Paying More Than You Think?
10/03/2023
Uncovering Hidden Fees: Are You Paying More Than You Think?
In the age of autopay, many of us have become accustomed to having our bills paid automatically. It's convenient, right? Well, maybe not always. A recent survey by Chase Bank revealed that people often forget what bills are being paid, including for services they no longer use. It's akin to paying for a streaming service you never watch. But here's the real kicker – hidden fees aren't limited to your monthly subscriptions; they can lurk in your retirement accounts too. Whether it's your 401(k) or IRA, these financial fees can erode your hard-earned money without you even realizing it. Kevin shares how some 401(k) plans come with internal fees that could be eating away at your retirement savings. He also highlights the importance of being aware of these fees, especially if you're over 59 1/2 and have the opportunity to self-administer your IRA. So, if you're wondering whether you're paying too much in hidden fees, tune in for this eye-opening episode. Kevin Madden provides insights and strategies for optimizing your retirement accounts, minimizing fees, and ensuring your financial future is on the right track. Don't let hidden fees eat away at your retirement dreams. Take control of your finances, and reach out to Kevin Madden. #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Demystifying Annuities: Your Path to Financial Confidence
09/26/2023
Demystifying Annuities: Your Path to Financial Confidence
The episode kicks off by addressing common misconceptions about annuities, emphasizing that they aren't magical instruments but rather strategic financial tools. Kevin tackles the question of why individuals would choose to invest in annuities rather than managing their investments themselves, highlighting the role of annuities as a form of longevity insurance that provides guaranteed income for life. Furthermore, you'll discover how fixed annuities, akin to CDs, are offering remarkably high interest rates in the current market, providing an attractive option for those seeking a secure, income-generating strategy. Kevin illustrates how individuals can benefit from these fixed annuities, showcasing real-life cases where they significantly increased income without taking on additional risk. #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Pension Decisions & Living Life to the Fullest with Martha Stewart
09/20/2023
Pension Decisions & Living Life to the Fullest with Martha Stewart
In this episode, Kevin delves into the complex world of pension decisions, addressing the concerns of a 60-year-old listener who is pondering retirement. Kevin offers insights into the options available for individuals with pensions and provides valuable advice on how to maximize retirement income while considering factors like leaving a legacy. Whether you're considering pension choices or seeking inspiration for a vibrant retirement, this episode has something for everyone. Join us as we navigate the intricacies of retirement planning and discover the keys to living life to the fullest. #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Deciphering Your 401(k) in Retirement: What's the Best Move
09/12/2023
Deciphering Your 401(k) in Retirement: What's the Best Move
Today, we tackle a question that looms large in the minds of many pre-retirees: What should you do with your 401(k) when retirement is on the horizon? It's a question that deserves careful consideration, and Kevin shares his expertise on the matter. Kevin starts by addressing a recent Vanguard study, which found that 30% of people cash out their 401(k) plans at age 50 or later. Is this a good idea or a bad one? Kevin's take is clear: it's generally better to roll your 401(k) into an IRA as you approach retirement. This strategy allows you to continue deferring taxes and opens up a world of investment opportunities beyond what's typically available in 401(k) plans. He highlights the concept of an "in-service distribution," which is a little-known option in some 401(k) plans that lets you move your money out while still employed, giving you access to a broader spectrum of investment strategies. From annuity contracts to individual stocks, this flexibility can be a game-changer for your retirement portfolio. #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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New 401(k) Catch-Up Rule for High-Income Earners
09/05/2023
New 401(k) Catch-Up Rule for High-Income Earners
In this episode of the Your Retirement Radio Show, Kevin discusses the new rule that will require high-income earners to put their catch-up contributions into a Roth 401(k) starting in 2023. He also talks about the benefits of Roth 401(k)s and how they can help you save for retirement. Kevin shares the story of a client who was able to save thousands of dollars in taxes by contributing to a Roth 401(k). He also discusses the importance of working with a financial advisor to make sure you are taking advantage of all the retirement savings options available to you. If you are a high-income earner, this episode is a must-listen. Kevin provides valuable insights that can help you make the most of your 401(k) and save for a secure retirement. #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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When to Start Collecting Social Security: The Pros and Cons of Waiting
08/29/2023
When to Start Collecting Social Security: The Pros and Cons of Waiting
On todays episode, Kevin discusses the pros and cons of waiting to start collecting Social Security benefits. He explains how delaying benefits can lead to a higher monthly payout, but it's important to consider your individual circumstances before making a decision. Kevin also talks about the importance of having a financial plan in place, and how Social Security can be a part of that plan. He shares some tips for talking to your spouse about your finances, and how to deal with unexpected financial windfalls. If you're approaching retirement, or if you're just starting to think about your financial future, this episode is for you. Listen to learn more about when to start collecting Social Security and how to make the most of your benefits. #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #taxes #income Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy Listen to “Your Retirement Radio” podcast anytime on or ! 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Maximizing Your Retirement: Roth IRA Strategies and Portfolio Enhancement
08/22/2023
Maximizing Your Retirement: Roth IRA Strategies and Portfolio Enhancement
Kevin and his team dive deep into two crucial topics: headlines that can often send mixed signals about retirement savings and the Roth IRA as an ideal tool for tax planning. Kevin shares his insights on how to assess if you're on track for retirement and highlights the importance of personalized planning tailored to individual needs and circumstances. The episode further explores the power of Roth IRAs for tax planning. Kevin explains how Roth conversions can be utilized to strategically shift funds from traditional IRAs to Roth IRAs, allowing them to grow tax-free and be passed on to heirs without tax implications. By taking advantage of these options, discover how to make the most of your retirement savings while minimizing tax burdens. Episode Highlights: Navigating misleading retirement savings headlines and assessing individual retirement needs. A case study of a couple's retirement goals and how portfolio restructuring significantly improved their financial outlook. Leveraging Roth IRA strategies for tax planning and ensuring tax-free growth for both the retiree and heirs. The importance of proactive retirement planning and the benefits of Madden Wealth Advisors' personalized retirement road map. 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Recession Worries and Annuity Sign-Up Bonuses in Retirement Planning
08/14/2023
Recession Worries and Annuity Sign-Up Bonuses in Retirement Planning
In this episode, Kevin Madden delves into the pressing concerns about the economy's uncertain trajectory. With mixed signals circulating, Kevin highlights a recent interview with economist Stephanie Palm Boy, drawing parallels between the current economic landscape and the 2008 financial crisis. Amidst the market volatility and economic uncertainty, Kevin emphasizes the importance of a well-balanced and diversified portfolio. With the goal of achieving steady and consistent returns, Kevin discusses strategies to navigate the potential headwinds that retirement planning might face. #retirement #financialplanner #financialliteracy #wealth #fyp #podcast #economy #recession 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Navigating Recession Worries, Soft Landings, and Financial Planning
08/07/2023
Navigating Recession Worries, Soft Landings, and Financial Planning
In this episode of Your Retirement Radio with Kevin Madden, we dive into the ever-present discussions around recession fears, soft landings, and the importance of effective financial planning. Join us as we explore Morgan Stanley's Gabriella Santos' take on the possibility of a soft landing amid economic changes and what that could mean for your financial future. We break down the resilience of job data, consumption trends, and the potential impact on retirement plans. Remember, retirement planning is about the journey, not just the destination. Whether you're concerned about a potential recession or seeking ways to secure your financial future, this episode provides valuable insights into building a resilient retirement strategy. Tune in to learn how to create a plan that withstands economic storms and leads you toward your long-term financial goals. 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Fixed Income Strategies and Financial Road Maps
07/31/2023
Fixed Income Strategies and Financial Road Maps
Join Kevin Madden and Jessica in this episode of "Your Retirement Radio" as they discuss the importance of fixed income strategies and creating a financial road map for retirement. Gain insights into market conditions, risk assessment, and the benefits of guaranteed income streams. Discover how independent financial advisors like Kevin can help you achieve a secure retirement. Tune in now! #retirement #financialplanner #financialliteracy #wealth #fyp #podcast 💬 Engage, Share, and Learn even more with Kevin at Madden Wealth Advisors:
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Protect Your Money from a 20% Market Loss TODAY!
07/17/2023
Protect Your Money from a 20% Market Loss TODAY!
The Federal Reserve keeps raising interest rates to try and tamp down inflation. The latest hike brings us to 3.25%. Billionaire hedge fund manager Ray Dalio says that if the rate reaches 4.5%, the stock market will sink by 20%. Do you see the Fed backing down over the next few months and if they don’t, how can you help us stop another 20% loss in our accounts? Then, according to a recent survey (by OnePoll) Americans only ask for help when starting something new. It found 8% don’t ask for help until it’s too late. And 13% never ask. So, if most admit they need help for something like buying a house, then why aren’t they talking to a financial advisor about retirement?
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Don't Let Uncle Sam Ruin your 401K or IRA!
07/03/2023
Don't Let Uncle Sam Ruin your 401K or IRA!
If you have a traditional IRA or 401(k), you could run into a tax problem. That’s why you hear people converting those funds to an after-tax Roth IRA a little bit at a time before retirement. How easy or difficult is it to do this? At what age should someone consider making the conversion? Kevin explains and gives an example of how he can help you!
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Do you have an Income Plan in your Retirement Future?
06/19/2023
Do you have an Income Plan in your Retirement Future?
Do you have an income plan as part of your retirement picture? Sounds like a simple question - but the answer may surprise you! Then, are bonds back in favor?
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The Solution to Running out of Money!
06/05/2023
The Solution to Running out of Money!
Americans are living longer and there’s always the fear of running out of money in retirement. But one way to safeguard against that is an annuity, which offers a guaranteed income stream for life. So how do annuities “befriend” the so-called enemies of retirement?
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Get off the Stock Market Rollercoaster!
05/22/2023
Get off the Stock Market Rollercoaster!
Over the last few years, we’ve talked about people putting money in a rising stock market due to “FOMO” - the fear of missing out. We’re now seeing interest rates rise to levels we haven’t seen in 20 years, making fixed income products, like annuities very popular. Kevin explains what an annuity is and how it can be beneficial to your income plan. If you want a where Kevin can help you navigate your way to retirement with income you can't outlive -
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Recession or Not - You Need Protected Alternate Income!
05/08/2023
Recession or Not - You Need Protected Alternate Income!
We can argue all day whether a recession is coming. And if it does, some of the experts in a Wall Street Journal poll say developing an alternate income stream is one way to guard against it. How can Kevin help YOU create alternate income that is protected against a volatile market? The happiest people in retirement are the ones that have that guaranteed income every single month. Charles Barkley is one of the 50 greatest players in NBA history and continues to work today as a host on NBA on TNT earning $10 million a year! (He’s also in talks with CNN to co-host a weekly prime time show with Gayle King.) Worth an estimated $60 million, Barkley says he enjoys spending his time (and hard-earned money) at the casino. Of course, he can afford the chance at winning or losing, but when it comes to our retirement, we can’t afford to gamble, right?
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Retirement Savers have 3 Categories - Which one are You in?
04/24/2023
Retirement Savers have 3 Categories - Which one are You in?
I found an article where the author put retirement savers into three categories: Over funded, underfunded, and constrained investors. A constrained investor is one who has saved, but they can’t afford to make any mistakes. There’s no wiggle room. The article suggested this formula: Take how much you need per year divided by how much you’ve saved. If that number is more than 3%, you are a constrained investor. Are there any ways to help overcome concerns about income? Hear how Kevin can help you, no matter why type of investor you are ,
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Will You need a part-time Job in Retirement?
04/10/2023
Will You need a part-time Job in Retirement?
A new poll (by Retirable) shows many Americans are hoping for the best when it comes to having enough money for retirement. It found 64% of retirees do not feel like they’ve saved enough to get them through, and more than half expect to take on a part-time job to make ends meet. Have you had new clients come in with this attitude, only to find out after running the numbers that working part-time can be a choice, not a necessity?
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Massive Layoffs and how Kevin gives you the Mad-Vantage!
03/27/2023
Massive Layoffs and how Kevin gives you the Mad-Vantage!
Massive layoffs in the tech world have been grabbing headlines lately. Companies like Google, Meta and Amazon are letting workers go by the thousands. Just a few years ago, many were looking at finishing their careers with these jobs. If someone is close to retirement – and that ‘forever job’ is becoming less stable – what can they do now to prepare for an unplanned retirement and still get guaranteed income? Hear Kevin talk about the when you go the first meeting.
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Should you include your kids in your financial meetings?
03/13/2023
Should you include your kids in your financial meetings?
I ran across a rather shocking statistic. Over 90% of financial advisors do not last three years! The most common reasons they quit are lack of fulfillment, difficulty finding clients and burnout. But you’ve withstood the test of time. What is different about you and your approach that’s lasted 30+ years? Over the next 20 years, about 70 trillion dollars will pass from baby boomers to their heirs. Many boomers worry that if their children know about the money that could be coming their way, it will change their behavior. How often do you see parents bring their children into a financial planning meeting?
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Leaving a Legacy and Creating Income For Life
02/27/2023
Leaving a Legacy and Creating Income For Life
You've worked so hard to have the ultimate retirement, do you think you will leave a legacy to your kids/ grandchildren? Entertainer Marie Osmond is a proud mother – and grandmother – at age 63. But she tells US Weekly that there’s one thing she’s made clear to her adult kids – they won’t be getting an inheritance! Osmond plans to give away most of her fortune to help others. Do you have any clients who have felt the same about leaving money to their children? Also, hear the best way to create and leave a legacy for your family using the best tax efficient tools! The last thing you want to do is leave a great legacy but leave your family members with a big tax bill! Then, sales of annuities have soared as interest rates go higher, because they yield better returns. But some annuities have a reputation of high fees. Should we be concerned about that when an annuity offers a stream of guaranteed income?
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Is Guaranteed Income for You ?
02/13/2023
Is Guaranteed Income for You ?
Sales of annuities have soared as interest rates go higher, because they yield better returns. But some annuities have a reputation of high fees. Should we be concerned about that when an annuity offers a stream of guaranteed income?
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