Welcome to Retirement Lifestyles with Patrick McNally!! Here's a breakdown of this weeks show... In the Health segment, I’ve got a few tips on keeping your workouts simple so you can stay consistent! (starting at 1:21) In the Wealth segment, Nov is Life Insurance Awareness month so we’ll kick it off talking about whole life insurance . (starting at 8:30) FREE DOWNLOAD 2022 Life Insurance Worksheet In the Freedom segment, it’s time to get dirty by going off road and doing a little 4X4ing. (starting at 14:31) Action Items. Things you can implement right now! (starting at 18:13)  Get your FREE copy of my book "Retirement Planning 101". A gift for being a listener of the podcast. Visit Retirement101Book.com Now!    You can always schedule a free 30 minute call with me to answer any of your financial planning and retirement income questions by visiting TalkToPatrick.com.   Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180 Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Welcome to Retirement Lifestyles with Patrick McNally!! Here's a breakdown of this weeks show... In the News segment: Medicare benefits are changing inside of the Inflation Reduction Act (starting at 2:19)  In the Health segment, a short update on my Whoop Band, and a new pillow that I'll be testing out, specifically designed for side sleepers! (starting at 7:00) In the Wealth segment, the 4% rule is in doubt, says a Wall Street Journal article. (starting at 12:45) In the Freedom segment, it's time to go see good movie... and a subscription service might make it easier. (starting at 21:40) Action Items. Things you can implement right now! (starting at 25:35)  Get your FREE copy of my book "Retirement Planning 101". A gift for being a listener of the podcast. Visit Retirement101Book.com Now!    You can always schedule a free 30 minute call with me to answer any of your financial planning and retirement income questions by visiting TalkToPatrick.com.   Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180 Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Welcome to Retirement Lifestyles with Patrick McNally!! Here's a breakdown of this weeks show... In the News segment: Is inflation going down? 10 common consumer items where prices are falling (starting at 2:35) Get your free budget sheet at www.RLAPlan.com/budget In the Health segment, a follow up to last week when I discussed a new fitness performance "wearable" called Whoop that I just subscribed to. (starting at 10:32) In the Wealth segment, should you consider converting some or all of your IRA's to Roth IRA's..? Do's and Don'ts. (starting at 14:12) In the Freedom segment, I talk about LOVE. Specifically online dating for retirees!! (starting at 21:45) Action Items. Things you can implement right now! (starting at 28:10)  Get your FREE copy of my book "Retirement Planning 101". A gift for being a listener of the podcast. Visit Retirement101Book.com Now!    You can always schedule a free 30 minute call with me to answer any of your financial planning and retirement income questions by visiting TalkToPatrick.com.   Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180 Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Welcome to Retirement Lifestyles with Patrick McNally!! Here's a breakdown of this weeks show... In the News segment I discuss the "Inflation Reduction Act of 2022). Is it actually going to reduce inflation? Or just add $Billions to our tax bill? (starting at 1:55) In the Health segment, I discuss a new fitness performance "wearable" called Whoop that I just subscribed to. Check them out HERE at Whoop (starting at 7:50) In the Wealth segment I discuss the importance of Planning BEFORE you retire. (starting at 11:40) For a copy of my Retirement Ready Checklist email me at [email protected] In the Freedom segment, I talk about trying out a new restaurant. I think it's fun to try new places and I encourage our clients to as well (starting at 19:25) Action Items. (starting at 22:13) Get your FREE copy of my book "Retirement Planning 101". A gift for being a listener of the podcast. Visit Retirement101Book.com Now!    You can always schedule a free 30 minute call with me to answer any of your financial planning and retirement income questions by visiting TalkToPatrick.com.   Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180 Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Now that you're retired... is it time to get healthy and fit?   On this episode I discuss an article that come from The Week, "5 Expert Tips for Staying Fit in Retirement" written by Sara Lindberg.   Get your FREE copy of my book "Retirement Planning 101". A gift for being a listener of the podcast. Visit Retirement101Book.com Now!    You can always schedule a free 30 minute call with me to answer any of your financial planning and retirement income questions by visiting TalkToPatrick.com.   Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180 Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Welcome to Retirement Lifestyles with Patrick McNally!! Here's a breakdown of this weeks show... In the News segment I discuss Social Security and the projected date it's supposed to run out of benefits and only pay out 80% of what is owed. (starting at 4:45) In the Health segment, I discuss "The Importance of Hydration". (starting at 14:53) In the Wealth segment I discuss the importance of an "Emergency Fund". (starting at 22:45) In the Freedom segment, I talk about how to not get "Bored" in retirement. (starting at 31:20) Wrap Up. (starting at 40:02) Get your FREE copy of my book "Retirement Planning 101". A gift for being a listener of the podcast. Visit Retirement101Book.com Now!    You can always schedule a free 30 minute call with me to answer any of your financial planning and retirement income questions by visiting TalkToPatrick.com.   Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180 Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

I'll start off the show talking about an op-ed highlighting dividend paying stocks and why I believe it's the best way to provide retirement income that can outpace inflation over time. In my Health segment, I discuss "Getting Your Steps In", how walking can help you lose weight and keep you mobile and flexible. In the Wealth segment I discuss the importance of being debt free when you get to retirement. In the Freedom segment, I talk about continuing to date your spouse, even if you've been married for 40 years or more! Get your FREE copy of my book "Retirement Planning 101". A gift for being a listener of the podcast. Visit Retirement101Book.com Now!    You can always schedule a free 30 minute call with me to answer any of your financial planning and retirement income questions by visiting TalkToPatrick.com.   Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180 Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

I'm kickin off the show talking about a few recent articles that give some ideas about where you can invest extra cash during this period of high inflation.   Then I'll get into why the 4% rule for withdrawing retirement income is a bad idea, and what kind of portfolio is best to truly outpace inflation over the long haul.   Get your FREE copy of my book "Retirement Planning 101". A gift for being a listener of the podcast. Visit Retirement101Book.com Now!    You can always schedule a free 30 minute call with me to answer any of your financial planning and retirement income questions by visiting TalkToPatrick.com.   Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180 Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Well... he did it. Putin invaded Ukraine. The next morning the market took a nose dive and then... wait, what's this?? It ended the day positive?!!  Am I really seeing this?  Once again my crystal ball let me down. I wish Miss Cleo was still around to help me. On the show I'm going to walk you through my thoughts on predicting the markets and whether or not you should be making emotional changes to your portfolio. Check it out! Get your FREE copy of my book "Retirement Planning 101". A gift for being a listener of the podcast. https://www.rlaplan.com/book   Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180 Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Do you ever feel like News Headlines contradict themselves from one day to the next? It's because they DO..!!  One day everything is fine and the next day the end of the world is near! On this episode I give you 3 tips to keep your sanity when it comes to Financial News Headlines. If you have worries about your portfolio, or want a second opinion on your strategy, I'm here to help. Simply schedule a call by visiting www.TalkToPatrick.com    Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180 Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Retirement planning isn't just about the investments... you need to plan for all kinds of risks to your assets over time. Health care related expenses are the largest risk to your life savings. Join me as I walk through how you can protect what took you 30 or 40 years of sacrifice to build. I've also got a new  2022 checklist titled "2022-What Issues Should I Consider When Purchasing Long Term Care Insurance?" . By the way you can get your own copy HERE. I'd suggest downloading it because there's a bunch more tips that I don't have time to go into on the show. So grab your free copy HERE. If you have worries about your portfolio, or want a second opinion on your strategy, I'm here to help. Simply schedule a call by visiting www.TalkToPatrick.com    Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180 Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Lately I've been getting a bunch of calls from people concerned about market crashes, recessions and inflation. All valid concerns for sure.  So I decided to take a few points from my 2022 checklist titled "What Issues Should I Consider During a Recession or a Market Correction?" How's that for timing..! By the way you can get your own copy HERE. I'd suggest downloading it because there's a bunch more tips that I don't have time to go into on the show. So grab your free copy HERE. If you have worries about your portfolio, or want a second opinion on your strategy, I'm here to help. Simply schedule a call by visiting www.TalkToPatrick.com    Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180 Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

The markets haven't been playing nicely since January 1st. In fact some people believe that this may be the time for a big correction which can cause panic and fear, which usually leads to bad decisions. In this episode I dive into; - Market volatility.  - Crystal balls and market timing. - Bad headlines always sell the best! How the media thrives on chaos. If you have worries about your portfolio, or want a second opinion on your strategy, I'm here to help. Simply schedule a call by visiting www.TalkToPatrick.com    Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180  

Inflation just reached it's highest point in over 40 years! Many people are concerned if they should be making changes to their investments or not.   In this episode I dive into; -The cause of high inflation - Should you be making adjustments to your investments - What kind of changes should you make   If you have worries about current inflation and want to talk to someone we're here to help. Simply schedule a call by visiting www.TalkToPatrick.com    Dedicated to Your Retirement Lifestyle, Patrick McNally www.RLAPlan.com 530-377-5180

Welcome to this week's show... Being in financial services for over 20 years now, I've found that most people worry. They've worked hard their entire life and now retirement has been thrust upon them. And while they think they're doing okay, they just aren't sure. There's so much to know and by their own admission, they don't know what they don't know, and that causes the worry. Worry that paralyzes you into doing nothing.   So if that sounds like you, you're listening to the right show. I specialize in managing retirement accounts. I'll guide you to the right investments that can give you an income that is predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you the peace of mind you're looking for. The title of the show today is "Big Issues with Social Security". On today's show I'll be talking about two big issues with social security that you need to be aware of; #1 the upcoming cut to your paycheck benefits and #2 how you could lose up to 50% of your income when a spouse passes away. We'll also be getting a little nerdy and talk about how risk drives portfolio returns and how feeling safe... may actually be risky. Also, I've gotten some good feedback on the "mailbag" segments I've been doing over the past few weeks, so we'll continue with those... As usual I've set aside a few copies of my book and retirement reports, so be sure to listen for when I'm giving those away so you can call in and claim your copy. We got a loaded show for you and I'm super excited.!! Go ahead and press that play button!   Questions about your planning? -Schedule a call with me TODAY..! Visit www.TalkToPatrick.com   Want a FREE copy of my book "Retirement Planning 101"? (just cover shipping) CLICK HERE or visit Retirement101Book.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry. They've worked hard their entire life and now retirement has been thrust upon them. And while they think they're doing okay, they just aren't sure. There's so much to know and by their own admission, they don't know what they don't know, and that causes the worry. Worry that paralyzes you into doing nothing.   So if that sounds like you, you're listening to the right show. I specialize in managing retirement accounts. I'll guide you to the right investments that can give you an income that is predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you the peace of mind you're looking for. The title of the show today is "Inflation and Market Crashes". On today's show I'll be talking about two big topics on everyone's mind; inflation and the next market crash. I've been getting lot's of questions about both, so I want to walk through why I believe we're seeing such an increase in prices and also my thoughts on the next market  correction. I'll give you some ideas on how you can position your investments to be successful in good times and bad as well as what I would avoid right now. At the halfway mark we'll have a few sports and fitness tips, and then my "Mail Bag" segment where I answer questions or give some thoughts on comments that I receive each week from listeners like you as well as from social media.    Questions about your planning? -Schedule a call with me TODAY..! Visit www.TalkToPatrick.com   Want a FREE copy of my book "Retirement Planning 101"? (just cover shipping) CLICK HERE or visit Retirement101Book.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry. They've worked hard their entire life and now retirement has been thrust upon them. And while they think they're doing okay, they just aren't sure. There's so much to know and by their own admission, they don't know what they don't know, and that causes the worry. Worry that paralyzes you into doing nothing.   So if that sounds like you, you're listening to the right show. I specialize in managing retirement accounts. I'll guide you to the right investments that can give you an income that is predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you the peace of mind you're looking for. The title of the show today is "Are Roth IRA's a Good Idea?". Who are they good for? Should you consider them instead of a traditional IRA?  And what types of investments should you choose inside of them? At the halfway mark we'll have a few sports and fitness tips, and then I'm trying something new... I'm calling it the "Mail Bag". I'm going to pick a few questions or comments from a facebook group that I'm a part of called Retired, or Thinking Retirement? If you're on facebook I highly recommend checking them out and joining. They ask great questions and the comments are always interesting to read. Be sure to listen for when I'm giving away free stuff, like copies of my book and retirement reports, so you can call in and claim your copies. As always I got a loaded show for you and I'm super excited... you know what to do next, go refill that coffee, and grab your pen and notepad cuz I'm getting started in 2 minutes!   Questions about your planning? -Schedule a call with me TODAY..! Visit www.TalkToPatrick.com   Want a FREE copy of my book "Retirement Planning 101"? (just cover shipping) CLICK HERE or visit Retirement101Book.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry. They've worked hard their entire life and now retirement has been thrust upon them. And while they think they're doing okay, they just aren't sure. There's so much to know and by their own admission, they don't know what they don't know, and that causes the worry. Worry that paralyzes you into doing nothing.   So if that sounds like you, you're listening to the right show. I specialize in managing retirement accounts. I'll guide you to the right investments that can give you an income that is predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you the peace of mind you're looking for. The title of the show today is "How to Avoid Tax Scams During a Pandemic". The IRS releases an annual list of what it calls the Dirty Dozen Tax scams, and it gets updated every year. And they just released 2021. So I'm going to walk through each of the scams so you can understand what to look for and more importantly, how to avoid getting taken advantage of. Later on in the show we'll have a fitness tip for as well as an announcement that you'll want to hear about. And then I want to carve a little time to discuss variable annuities... I got a call this week from a friend who told me he found his dad bought a variable annuity and wanted to know what he got himself into. So I'm going to break that down for you. As always I got a loaded show for you and I'm super excited... So grab your notepad and press play!!   Questions about your planning? -Schedule a call with me TODAY..! Visit www.TalkToPatrick.com   Want a FREE copy of my book "Retirement Planning 101"? (just cover shipping) CLICK HERE or visit Retirement101Book.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most retirees worry about running out of their life savings because they are no longer getting a paycheck. So I specialize in managing their investments to provide an income that is predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving them the peace of mind they desire throughout retirement.   The title of the show today is "How to Control Your Emotions and Ignore the Media for Investment Success". Here's a question for you... How often do you go search for market updates? Never? You ignore it? Good for you, you're probably happier for it. But most people can't help but either see something or hear something, catch a glimpse on social media or even discuss the markets around the water cooler at work. If that's you, then you may be feeling a little overwhelmed and have no clue what to do with your investments, because you're getting a different story and different advice from a thousand different places! Including this show! Haha... So I want to discuss the media's role in all of this, and hopefully give you a little insight into how to ignore the chaos and confusion and focus on what matters, so that ultimately you can enjoy a stress free retirement.   Questions about your planning? -Schedule a call with me TODAY..! Visit www.TalkToPatrick.com   Want a FREE copy of my book "Retirement Planning 101"? (just cover shipping) CLICK HERE or visit Retirement101Book.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most retirees worry about running out of their life savings because they are no longer getting a paycheck. So I specialize in managing their investments to provide an income that is predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving them the peace of mind they desire throughout retirement.   The title of the show today is "Should You Invest in Crypto currency in Retirement?" Over the past few months I've been getting a lot of questions about investing in gold... which is  nothing new honestly, because whenever there is inflation or market correction concerns, gold is usually the topic of interest. But lately I've been getting more and more questions about crypto currencies, like Bitcoin for example. So we're going to discuss, at a high level, what crypto currency is and whether or not it makes sense to use it as part of your retirement income planning.   Later on in the show we'll resume talking about beiing "Social Security ready, a fact sheet for ages 49-60".    Questions about your planning? -Schedule a call with me TODAY..! Visit www.TalkToPatrick.com   Want a FREE copy of my book "Retirement Planning 101"? (just cover shipping) CLICK HERE or visit Retirement101Book.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most retirees worry about running out of their life savings because they are no longer getting a paycheck. So I specialize in managing their investments to provide an income that is predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving them the peace of mind they desire throughout retirement.   The title of the show today is "Who's on Your Team?" If you've ever listened to this show then you know I manage investments, but when it comes to full retirement planning, you need to have more than just an investment guy on your team, so I'm going to break down each of the players you need, and why each of their jobs is critical to your financial planning success. Later on in the show we'll have a health tip and then I'm going to discuss something that you're not hearing about in the news... the upcoming 20% cut to your social security check.   Questions about your planning? -Schedule a call with me TODAY..! Visit www.TalkToPatrick.com   Want a FREE copy of my book "Retirement Planning 101"? (just cover shipping) CLICK HERE or visit Retirement101Book.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most retirees worry about running out of their life savings because they are no longer getting a paycheck. So I specialize in managing their investments to provide an income that is predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving them the peace of mind they desire throughout retirement.   The title of the show today is "The Top 5 Planning Areas of Retirement"   When it comes to preparing for retirement and thinking about doing some "financial planning", a lot of times people wonder what the heck "financial planning" even means. I've been told by many people that they often feel like their financial life is scattered into a bunch of separate pieces floating around in the air... well today I wanted to help you bring some of those pieces together by listing out the top 5 areas that you need to focus on. In the second half we'll have a few sponsor highlights, a market update and then wrap up Disability Insurance Awareness month by discussing Four Myths of Disability Insurance.   Questions about your planning? -Schedule a call with me TODAY..! Visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most retirees worry about running out of their life savings because they are no longer getting a paycheck. So I specialize in managing their investments to provide an income that is predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving them the peace of mind they desire throughout retirement.   The title of the show today is "Should I Change My Investments Because of Future Inflation?"   Lately the stock market has been doing incredibly well... we had a few bumps this week, but that's pretty normal. However, more and more I'm hearing concerns over inflation. People are asking, should I be pulling my savings out of the stock market, and putting it into safer investments, like fixed income or cash? After all... I can't lose money in those investments right? Well, that depends. It depends on what your definition of "losing money" means. So we're going to talk about inflation and some of the different ways you can battle it in the future.   Questions about your planning? -Schedule a call with me TODAY..! Visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people want more income in retirement, or they worry about running out. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement.   The title of the show today "The Market is at all time highs, should I be making changes?".   Lately the stock market has been doing incredibly well... you would think that people would be happy and celebrating. My account has never been higher! Woo Hoo! But in actuality, a lot of people are worried and fearful. When's the next crash coming? This can't keep going... we've printed too much money! I swear the market can make us feel like we're on an emotional rollercoaster!! If you've been feeling these ups and downs lately this show is for you... I want to give you some ideas and strategies to consider to help remove some of these emotions, so that you can focus on the important things.. like having fun in retirement. Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people want more income in retirement, or they worry about running out. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement.   The title of the show today "Is Your Pension Really Safe?".   When you hear the word "Guarantee"... what do you think of? Isn't that word supposed to give you a sense of Peace of Mind? Usually the words "Guarantee" and "Pension" go hand in hand. Many employees today have access to a traditional employer pension plan that is designed to pay them a guaranteed paycheck for the rest of their lives. What if you found out that your pension wasn't insured if the company ever went out of business..? Putting the bulk of your retirement income in jeopardy. Would that concern you? In the first half the show we're going to discuss the best ways to protect your pension benefits in retirement. In the second half we'll have a few health tips, a market update and then the 31st Annual Retirement Confidence Survey by the EBRI. Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people want more income in retirement, or they worry about running out. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement.   The title of the show today "Realistic Expectations in Retirement".   Over the course of a 20 year career in financial services I've spoken to a-lot of people. And I've gotten the full spectrum of emotions when it comes to retirement. Can we afford it? What am I going to do once I'm retired? Will I get bored? What if the market crashes, will I have to go back to work? Can I?   So in the first half of the show I want to discuss some ways you can prepare yourself not only financially, but mentally as well, so you can have the best chance of living the retirement lifestyle you deserve.   In the second half we'll have a few fitness tips, a market update, and then talk about "7 Reasons Why You Should Create a My Social Security Account".   Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people want more income in retirement, or they worry about running out. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today "The 3 Worlds of Investing". No matter where you are in your investing journey, already retired, getting close, or just starting off... most people get overwhelmed with the unending choices of investments available today. In fact some even get so nervous, they decide not to choose at all...Well that's easy to understand because with so many different options to choose from it can be difficult to make sure that you're making the right decision. But all of the options can be simply categorized into 3 different areas, or worlds as I like to call them.  So today I'm going to share with you what the 3 worlds of investing are, and what goes into each of them.   Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people want more income in retirement, or they worry about running out. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today "How to Avoid Being the Victim of a Ponzi Scheme". One of the number one concerns for a lot of investors is... can I really trust this advisor sitting in front of me? I don't even know you, yet I'm about to hand over my life savings to you. FREAKY! Yet, most people never bring it up in a meeting. You have to! this is your life savings we're talking about!   We're going to discuss a few articles off of the SEC's website about recent schemes that have been uncovered and then give you some tips on how to interview an advisor and how to spot some of the red flags so you can protect yourself.   Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people want more income in retirement, or they worry about running out. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today "The Market's at all time highs... Should I Wait to Invest?". This is a question I've been getting a lot lately, and it's a very valid one. Lot's of people are wondering if this market will keep on going or is a crash right around the corner? It seems like the money just keeps getting printed with no end in sight, and I'm sure you've seen the scary commercials touting the merits of gold and silver. So we're going to talk about how to look at the market based on your goals.   Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people want more income in retirement, or they worry about running out. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today "How to Rollover Your Retirement Account... Without Screwing it Up". So here's a question for you, are you getting close to retiring, and unsure or nervous about what to do with your 401k or other type of retirement account? Or are you looking at joining a new company and aren't sure how to move over your current plan? These are very common questions that we get, so we're going to tell you exactly what your choices are, and how to avoid any big mistakes, like triggering major taxes!   Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people want more income in retirement, or they worry about running out. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today "How to Replace Your Paycheck in Retirement, While Sitting on the Beach". When it comes to planning for retirement you've heard me say, it's all about the income...   You don't want to retire worried about paying your bills each month, or wondering if you'll have to stop taking withdrawals from the accounts if the market crashes. Everyone I talk to says they want to sit back, relax and enjoy what they worked for, sacrificing and saving for the last 30-40 years.   Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people want more income in retirement, or they worry about running out. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today "Your Retirement Is... Your Retirement". I'm apart of a few different retirement specific groups on Facebook. One of them is called Retired, or Thinking retirement? The comments and questions are usually pretty good, but sometimes I just scratch my head and wonder, what? There's comments and questions on everything from social security to travel, and what I find  interesting is a recurring question that seems to come up, "How much savings should I have to be able to retire on?" or some slight variation of that. Sometimes I feel like a broken record when I post comments like, "It depends on your personal lifestyle.." So I thought we would talk a little about that and give you 4 tips on how you can plan a retirement that's right... FOR YOU.   Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people want more income in retirement, or they worry about running out. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today "Countdown to the election, should you be making changes to your investments". Over the past few months I've been having discussions with a number of people, including current clients, that are concerned about how the stock market is going to react with the upcoming election. Is it going to crash? Is it going to surge? What happens if Biden gets in? Or if Trump stays in office? With everything going on in the country right now it's no surprise that many people are feeling concerned. Heck, I'm even feeling concerned, but not necessarily about the stock market, I don't think you should be either.   Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today "The Perfect Retirement Income Plan". When it comes to preparing for retirement the number one thing you need to plan for is income. It comes right down to this question, where is your paycheck going to come from when you're no longer getting one? I ask this question to many people and get blank stares. That's because most people have never really sat down and thought about it. So on this episode I'm going to discuss some of the different phases of investing throughout your life, and then I'll take you through what I call the 3 worlds of investing to give you an idea of the different ways to set up your portfolio to provide an increasing income in retirement that you won't outlive.   Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today "Medicare 101". We're going to teach you from a high level, some of the ins and outs of medicare parts A & B... and C and D..! Medicare can be really confusing, what pays for what, what are these "gaps" I keep hearing about, can I keep my doctor? These are some of the questions we get when we do planning for our clients and prospective ones and it's been awhile since we talked about on the show. We'll also talk about medicare supplement insurance, what to look for, how to choose the right plan, and most importantly, how to avoid paying too much for your coverage!   Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today "How Will the Election Effect the Stock Market?". Over the past few months I've been having discussions with a number of people, including current clients, that are concerned about how the stock market is going to react with the upcoming election in November. Is it going to crash? Is it going to surge? What happens if Biden gets in? Or Trump stays in office? With everything going on in the country right now it's no surprise that many people are feeling concerned. But as it pertains to your investments, and the stock market in general, should you be?   Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your FREE copy   CLICK the following link   "5 Ways to Increase Your Income in Retirement"   -Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   -Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show...   Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement.   The title of the show today is "More Ways to Increase Income in Retirement".   This is basically a continuation of ideas from my new report that I just wrote called 5 ways to increase income in retirement.   If you missed last week, the title of that show was "How to Add $22,500 per year of Income to Your Retirement". It's available to listen to the replay at rlaplan.com under the media tab.   But today I want to discuss 2 more of the ways to increase income in retirement, so you're not going to miss this.   Want to make sure your retirement plan is on track?    NEW REPORT JUST OUT... Get your free copy   "5 Ways to Increase Your Income in Retirement"   1) Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   2) Order a FREE Copy of my book "Retirement Planning 101" visit www.Retirement101Book.com   3) Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit   www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today is "How to Add $22,500 per year of Income to Your Retirement". Did I get your attention? Let me say that again, I'm going to teach you how to add an additional $22,500 of income each and every year starting now. What would do with that kind of extra income? Spend it? Travel? A new car? Maybe you would invest it... Whatever the case may be, most people aren't going to turn down additional income, no matter what the amount is. I'm going to tell you how to do it. Want to make sure your retirement plan is on track?  1) Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   2) Order a FREE Copy of my book "Retirement Planning 101" visit www.Retirement101Book.com   3) Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit   www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today is "Your Pension May Not Be As Safe As You Think It Is". When you hear the word "Guarantee"... doesn't it give you a sense of Peace of Mind? Usually the words "Guarantee" and "Pension" go hand in hand. Many employees today have access to a traditional employer pension plan that is designed to pay them a guaranteed paycheck for the rest of their lives. What if you found out that your pension wasn't insured if the company ever went out of business..? Putting the bulk of your retirement income in jeopardy. Would that concern you? Today we're going to spotlight one of the largest employers in Northern California... and right here in Redding. Do you work for them..? Want to make sure your retirement plan is on track?  1) Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   2) Order a FREE Copy of my book "Retirement Planning 101" visit www.Retirement101Book.com   3) Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit   www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today is "Retirement Planning During Turbulent Times". 2020 is shaping up to be a year for the record books... A global pandemic, racial tensions and then we're going to top it off with an election! Yes indeed this is quite a year. I talk with people all week long and one of the questions I get the most is, should I be in the market right now? Or I hear the statement, I feel like I just need to wait until the market starts to go back up before I make any changes. Most of the time we can find the real root of where these feelings are coming from.. not having a plan. Today I want to share with you 3 steps you can take to give you the confidence you need & the peace of mind you're looking for during these uncertain times. Want to make sure your retirement plan is on track?  1) Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   2) Order a FREE Copy of my book "Retirement Planning 101" visit www.Retirement101Book.com   3) Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit   www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today is "How to Avoid Getting Sick On The Stock Market Roller Coaster". In the past 3 months the stock has dropped 36%, and then risen 21%, dropped 7% rose 13% dropped 7% rose 18% and then in one day this past week it dropped almost 7%. Seriously I can't tell if I'm at 6 Flags Magic mountain or invested in the stock market? On top of that, we've had a global pandemic, race riots, abolishing the police department and murder hornets!! I'm about to lose it for crying out loud. Maybe some of you are feeling the same. There's nothing we can do about pandemics, riots or murder hornets, but we can teach you how to have peace of mind when it comes to your retirement income, and that's what we'll discuss today. Want to make sure your retirement plan is on track?  1) Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   2) Order a FREE Copy of my book "Retirement Planning 101" visit www.Retirement101Book.com   3) Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit   www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today is "How to Navigate the Medicare Maze". Medicare and Medicare supplement insurance can be one of the most confusing parts of planning in retirement. Did you know that the number one cause of bankruptcy in retirement is... healthcare expenses!! You need to understand how parts A, B, C and D work, as well as what type of supplemental coverage is right for you. I'll also share a little known California law that could save you thousands per year on insurance premiums. Later on we'll discuss what very well may be your most valuable asset, here's a hint, it's not your house or your portfolio. Want to make sure your retirement plan is on track?  1) Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   2) Order a FREE Copy of my book "Retirement Planning 101" visit www.Retirement101Book.com   3) Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit   www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today is "Why Mutual Funds Are Terrible For Creating Retirement Income". Today I felt like I wanted to just lay it out on the table for you. I wanted to explain why I believe using mutual funds to provide income in retirement is a recipe for disaster. I want to tell you exactly how I build portfolios for my clients and exactly what investments I use. It's all about the income in retirement, and today I'm going to spill the beans on how I do it . Want to make sure your retirement plan is on track?  1) Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   2) Order a FREE Copy of my book "Retirement Planning 101" visit www.Retirement101Book.com   3) Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit   www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today is "How to Avoid Investment Scams". It always seems like the trolls come out whenever the stock market has a decline or there's some major news happening.That's because they know that if they can either scare you enough, or appeal to the greedy side, they may have a chance at talking you out of some or even all of your life savings. So today we're going to talk about how to avoid some of the most common investment scams. We'll give you plenty of examples and then tell you what red flags to look for so you can protect yourself and your loved ones.. Want to make sure your retirement plan is on track?  1) Learn how to build a retirement program designed to give you a predictable, consistent and safe income for life. Watch my FREE Training Video at www.RetirementFilm.com   2) Order a FREE Copy of my book "Retirement Planning 101" visit www.Retirement101Book.com   3) Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit   www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today is "Is An Annuity Right For You". When the market is not cooperating, and we see a lot more volatility than normal, there's always going to be unscrupulous individuals that look for ways to take advantage of people. Fear of loss is usually when we see this happen the most. So today we're going to talk about a specific investment vehicle... annuities, that often times get abused during market downturns all in the name of safety. We're going to talk about the pros and cons, what they are, what they're for, and if they fit within your long term planning strategy. Want to make sure your retirement plan is on track?  1) Learn About My "Retirement Income Acceleration System"  Watch the FREE Webinar at www.RetirementFilm.com   2) Order a FREE Copy of my book "Retirement Planning 101" visit www.Retirement101Book.com   3) Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit   www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com  Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today is "How to Remove Emotion From Your Investment Decisions". In a little over a month we've experienced market volatility that we haven't felt for over 10 years. It came in fast and has left many people in a panic and feeling like they have to do something, but aren't sure what. It seems like the news is changing by the minute and when you mix all of the panic, fear and uncertainty together, a feeling of paralysis sets in. You may ask yourself... How will this impact my retirement? If you were thinking about retiring in a few months, can you still? If you're already retired, what will this do to my income? Is this the right time to invest, or should I be in cash? We're going to talk about how to manage your emotions to be successful.   Want to make sure your retirement plan is on track?  1) Learn About My "Retirement Income Acceleration System"  Watch the FREE Webinar at www.RetirementFilm.com   2) Order a FREE Copy of my book "Retirement Planning 101" visit www.Retirement101Book.com   3) Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit   www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com  Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.

Let's preview today's show... Being in financial services for over 20 years now, I've found that most people worry about having enough income in retirement. So I build mathematically correct retirement income plans that can provide a paycheck that's predictable, consistent, safe and can even increase every year, no matter what the market does. Ultimately giving you peace of mind and the freedom to enjoy your dream retirement. The title of the show today is "Is Your Portfolio Vaccinated Against The Corona Virus?". If you're 5 years or less from retiring and worried that the next market crash may be around the corner and you want to feel confident that your income will be there when you need it most... an annuity may be a great option for setting up a guaranteed income stream that you will never outlive. We're going to discuss the different types and tell you which ones to consider, and which ones to avoid!   Want to make sure your retirement plan is on track?  1) Learn About My "Retirement Income Acceleration System"  Watch the FREE Webinar at www.RetirementFilm.com   2) Order the Retirement Survival Kit..! visit www.RLAKit.com   3) Schedule a FREE Consultation phone call with me TODAY..! CLICK HERE or visit   www.TalkToPatrick.com   You can also find lots of resources at www.RLAPlan.com  Connect with me online through all of the social media links below: Facebook: www.facebook.com/RetirementLifestylesAdvisors/ Instagram: www.instagram.com/retirement_lifestyles_advisors/ Twitter: www.twitter.com/thepmcnally   Disclosures Information presented is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the host on the date of publication and are subject to change. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness. Financial calculations are based on various assumptions that may never come to pass. All examples are hypothetical and are for illustrative purposes only. Charts, graphs, and references to market returns do not represent the performance achieved by Retirement Lifestyles Advisory Group or any of its advisory clients. Content should not be construed as personalized investment advice, nor should it be interpreted as an offer to buy or sell any securities mentioned. A professional advisor should be consulted before implementing any of the strategies presented. Past performance may not be indicative of future results. All investment strategies have the potential for profit or loss. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for an investor. In addition, there can be no assurances that an investor’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. The social security, tax, legal, and estate planning information provided is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Retirement Lifestyles Advisory Group is not affiliated or endorsed by the Social Security Administration of the United States. Case studies are for illustrative purposes only and should not be construed as testimonials. Every investor’s situation is different, and goals may not always be achieved. Retirement Lifestyles Advisory Group is registered as an investment advisor and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators, nor does it indicate that the advisor has attained a particular level of skill or ability.