Safe Money and Retirement
Education
Business
John Heischman
Heischman Financial offers a full spectrum of investment planning and guidance. We can help you if you are seeking a better lifestyle throughout your life, from your working years and into retirement.We have helped thousands of individuals and couples at all economic levels in central OH so they can enjoy a stress-free retirement. Our team has assisted them using a balanced approach to asset management, which includes both risk and safety.Whether you have a nest egg of $5 million or $50,000, we can help make sure that your money goes to work. We do this so retirement can bring you the leisure and peace of mind you deserve.This show will review all these matters, and offer advice on your financial future options. Call the show off-air at (888) 426-0177 with questions or comments for Jon.
Life Insurance Uses-QCDs
In this week's episode host Jon Heischman talks about life insurance as part of retirement planning and ways to bring new "life" into your old policies.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
27:0115/09/2023
Rollover And Distribution Decisions
In this episode host Jon Heischman asks, "do you know the IRA/401k rollover rules?" based on a conversation with a listener. Whether you are leaving an employer with a 401k or offered a pension plan buyout, you need to make sure the course of action you take is in your best interests since there is not one rule-of-thumb for everyone.You need an advisor like Jon to help you through the rollover process from a 401k to an IRA and/or your pension strategy.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
27:0108/09/2023
Mitigating Longevity Risk
In this episode, Independent financial advisor Jon Heischman discusses longevity risk in retirement which is the number one concern among his cleints.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/
27:0102/09/2023
Indexed Annuities
In each episode host Jon Heischman being a independent financial advisor discusses how to build a more secured retirement plan. In this episode, builds on that foundation and talks about indexed annunities and funding methods on or above Social Security benefits to provide ongoing income thorugh your retirement years.To contact Jon after the show with your questions or comments, call (888) 426-0177. Visit www.heischmanfs.com/
27:0125/08/2023
IRA Distributions And Life Insurance
In this week's episode host Jon Heischman how to cut your tax bill from the "Jobs Act" which doubled the standard dedcution beginning in 2018. This caused a dramatic decrease in the number of people filing itemized deductions and the unintended consequence of a reduction in chartiable gving,But if you an IRA owner 70.5 or older, you can give without itemizing and still get the tax break through a Qualified Chartaible Distribution (QCD). Jon goes into deatil on this and life insurance related distributions as well.You can call Jon after the show with questions and comments at (614) 861-7055. Visit www.heischmanfs.com/
27:0118/08/2023
Savings And Withdrawl Strategies
Host Jon Heischman presents a straight forward episode talking about "Savings and Withdrawl Strategies" for your retirement whether that being your current situation, in the near or distant future. You can call Jon at (614) 861-7055 after the podcast to ask questions and give topic ideas for future episodes. Visit www.heischmanfs.com/
27:0111/08/2023
The Retirement Future For Women
In this episode Jon Heischman addresses "The Retirement Future For Women". Currently, 16% of households have women as the primary income provider and 33% of households both partners have the same income.Visit www.heischmanfs.com/
27:0104/08/2023
Secure Act 2.0 Hodgepodges
In this episode Jon Heischman discusses the Secure Act 2.0 as it particularly relates to required minimum distributions (RMDs) currently set at age 73 and set to increase to age 75 by 2033.
27:0128/07/2023
Inheriting Qualified Accounts
Baby Boomers control the greatest amount of wealth with most having some sort of qulaified account like an IRA, 401k, SEP or even TSP. In this episode Jon Heischman discusses issues relating to leaving and inheriting those qulaified accounts.
27:0121/07/2023
Longevity Risk
While there many risks facing retirees; Market, Inflation, Tax, Excessive Withdrawl, Healthcare, the current number one is Longevity. Longevity risk means outliving your money.Jon discusses strategies to ensure you will not outlive your retirement income in this episode.
27:0114/07/2023
Women Taking On Financial Planning
In recent years Jon has noticed his primary clientele contact has shifted to women, with about 60% of his business now coming from them. Based on this, Jon discusses this trend and the approaches to take in financial planning and advising in this episode.
27:0107/07/2023
Coloring Your Money
In this week's episode Jon Heischman talks about his "The Color of Money" model for allocating your assets to minimize risk for the conservative investor.
27:0101/07/2023
Consider A Rollover
Jon Heischman has spoken about Rollovers several times over the years on the Safe Money & Retirement Show, but it is worth addressing again since it has become one of his most frequently asked questions recently.Whether it be an employer 401k, TSP or 403b plan you should consider using a financial advisor to rollover into an IRA to meet your needs.
27:0123/06/2023
Investing Today And Tax Planning
Outdated investment strategies can not only be ineffective, but also detrimental to your portfoloio. So, it is necessary to invest for today's enviroment by ultilizing the three principles of 1. Liquidity 2. Safety and 3. Return (on investment).Jon Heischman talks about this and tax planning in this week's episode.
27:0116/06/2023
A Place For Annuities
This being Annunity Awarness Month, Jon Heischman dedicates this epsiode to dicussing annunities, including the two main reasons annunities have gotten "a bad wrap". Those reasons being: 1. Many advisors don't understand how annunities work2. The advisor cannot write an annunity, so advises against themIf you are one of the 80% that have some type of annuity in your retirement plan, you should listen to this episode.
27:0109/06/2023
Claiming Social Security Benefits And Life Insurance
Knowing when the right time to claim Social Security benefits in very important when planning your overall retirement strategy. In this week's epsiode Jon Heischman cvers how important it is to monitor and get the most from those benefits that you are eligible for.Jon also touches on issue of life insurnace as it relates to retirement income.
27:0102/06/2023
The Retirement Income Puzzle
One of the most important concerns for retirees is outliving their retirement accounts. In this epiosde Jon Heishman discusses how to mitigate this concern by balancing your portofolio with some in the market to maximize growth and some in "safe" accounts to generate income. Visit heischmanfs.com for more information.
27:0126/05/2023
Employer Sponsored Plan Options
Many people take advantage of the "best game in town" by participating in their employer's 401K, 403B or TSP Plan. These are great while you are working since: 1. contribution come out non-taxed automatically from your paycheck and 2. many companies have mathcing funds or some type.However, after retirement those advantages disappear yet many keep their plan through their employer's company rather than rolling over into a more flexible IRA.Jon explains all this in this week's episode.
27:0119/05/2023
Involving Family In Legacy Planning
In this week's episode Jon addresses how to involve your heirs and family in your financial and estate planning. At least one person in your family; or other relation, should know you plan ir intention.
27:0112/05/2023
Timing Risks
As retirement time approaches, you may need to rebalance your investment accounts. Jon addresses this along with other timing risks in this week's episode.
27:0105/05/2023
Time To Start Planning
When is the time to start planning for your retirement? Yesterday. In this week's episode, Jon Heischman covers how and when you should start your financial plan.
27:0128/04/2023
Secure Act Of 2019 Reminders
In this installment of the Safe Money & Retirement Show, host Jon Heischman gives some important reminders regading the Secure Act of 2019 as it relates to your IRA and other qulaified accounts.
27:0121/04/2023
Retirement Risk Tolerance
In this episode, Jon Heischman defines "risk tolerance" and why it is so important to know your's when making and executing your finncial, investements and retirement plans.
27:0114/04/2023
Social Security Claiming Variables
In this episode, Jon Heischman explores when you should claim your Social Securiy benefits to maximize the amount given.
27:0131/03/2023
Qualified Plan Potpourri
In this episode Jon addresses how many upcoming retirees of the Boomer Generation mat have several qaukifying plans, what this means and recommendations on how to naviagte the "Qualified Plan Potpourri".
27:0124/03/2023
Common Retirement Concerns
Jon talks about common retirement concerns people have as they are approaching their retirement years.
27:0117/03/2023
Savings And Income Protection
Jon talks about strategies on protecting savings and income in this week's episode.
27:0108/03/2023
Sequence Risk
Not sure what "sequence risk" means to your retirement paln? Join Jon in this episode as he explains.
27:0103/03/2023
Just Start Planning
Don't know how to plan for the future? Just start!
27:0126/02/2023
Filling The Income Gap
Jon talks filling the income gap on the latest podcast.
27:0119/02/2023
For The Love Of Taxes
Jon talks taxes on the latest podcast.
27:0112/02/2023
Roth Conversions
Jon talks Roth conversion for retirement on the latest podcast.
27:0105/02/2023
Financial Independence
Jon talks about obtaining true financial independence on the latest podcast.
27:0101/02/2023
Keeping Your Retirement Plan Current
Jon gives advice on keeping your retirement plan current.
27:0101/02/2023
Life Insurance
Jon discusses life insurance in retirement on the latest podcast.
27:0101/02/2023
Managing Multiple Accounts
Jon gives tips on managing multiple retirement accounts.
27:0101/02/2023
Facts Are Facts
Jon discusses retirement mfacts on the latest podcast.
27:0101/02/2023
Top Topics Of 2022
Jon goes of the top retirement topics of the past year.
27:0101/02/2023
Not Running Out Of Money
Jon gives advice on how to not run out of money in retirement.
27:0118/12/2022
Retirement Earnings Test
Jon talks about retirement earnings tests on the latest podcast.
27:0111/12/2022
Avoid Tax Traps
Jon gives tips on how to avoid these tax traps.
27:0104/12/2022
Bringing It All Together
Jon talks about bringing it all together when it comes to retirement planning o nthe latest podcast.
27:0128/11/2022
Knowing Your Income Sources
Jon talks about the importance of knowing your income sources on the latest podcast.
27:0120/11/2022
Using Life Insurance
Jon talks about what can entail when using life insurance on the latest podcast.
27:0113/11/2022
Long Term Care Awareness
Jon talks about retirement planning and being aware of long term care costs.
27:0106/11/2022
Lost Secret Of Planning
Jon talks about the lost secret of planning on the latest podcast.
27:0130/10/2022
Boomers And Qualified Plans
Jon talks qualified plans for the Boomer generation on the latest podcast.
27:0123/10/2022
Planning For Long Term Care
Jon discusses planning for long term care on the latest podcast.
27:0116/10/2022
Managing Inflation
Jon talks managing inflation on the latest podcast.
27:0102/10/2022
Being Prepared For Volatility
Jon talks preparation for volatility on the latest podcast.
27:0125/09/2022