This week’s theme on the Retirement Quick Tips Podcast is: Planning For Retirement With A Big Age Gap Today, I’m talking about the estate planning considerations when there is a spouse age gap. The primary goal for most spouses is to structure an estate plan that will ensure your spouse is financially secure. You may have other goals beyond that, especially if you are very wealthy, but for most of you listening, you just want to make sure that your spouse will be ok.

This week’s theme on the Retirement Quick Tips Podcast is: Planning For Retirement With A Big Age Gap Today, I’m talking about life insurance and long-term care needs. Hopefully by now if you’ve been listening throughout the week and if you use common sense, you’ve picked up on the fact that one of you is likely to outlive the other, perhaps by many years.

This week’s theme on the Retirement Quick Tips Podcast is: Planning For Retirement With A Big Age Gap Today, I’m talking about how to invest your retirement portfolio when there is an age gap. 

This week’s theme on the Retirement Quick Tips Podcast is: Planning For Retirement With A Big Age Gap Today, I’m talking about the impact on social security income when there is a big age gap between spouses. 

This week’s theme on the Retirement Quick Tips Podcast is: Planning For Retirement With A Big Age Gap Today, I’m talking about one of the biggest issues to navigate for couples with a big age gap, especially if you both work, which is different retirement dates.

Welcome to a new week here on the Retirement Quick Tips podcast! I’m your host Ashley Micciche, co-owner of True North Retirement Advisors, an independent financial advisory practice managing over $340 million in client assets.  On this podcast, I cover everything from investing to debt, social security,saving for retirement, spending and retirement lifestyle, healthcare and taxes in retirement in just a few minutes each day, so if you’re 5-10 years on either side of retirement, and looking for some daily quick tips to help you on your retirement journey, stick around this week as I talk about: Planning For Retirement With A Big Age Gap.

It’s Sunday, which means...it’s recap time here on the Retirement Quick Tips Podcast This week the theme was: It’s A Good Time To Buy Bonds

This week’s theme on the Retirement Quick Tips Podcast is: It’s A Good Time To Buy Bonds Today, I’m talking about municipal bonds.

This week’s theme on the Retirement Quick Tips Podcast is: It’s A Good Time To Buy Bonds Today, I’m talking about my favorite way to invest in bonds - a bond ladder

This week’s theme on the Retirement Quick Tips Podcast is: It’s A Good Time To Buy Bonds Today, I’m talking about bond funds vs. buying individual bonds. 

This week’s theme on the Retirement Quick Tips Podcast is: It’s A Good Time To Buy Bonds Today, I’m talking about building a bond portfolio with 2 primary goals in mind: stability and income.

This week’s theme on the Retirement Quick Tips Podcast is: It’s A Good Time To Buy Bonds Today, I’m doing a primer on bonds to help you understand the basics: 2 of the most important things to know is: What a bond is and how you get paid Understanding the relationship between interest rates and bond prices  

Welcome to a new week here on the Retirement Quick Tips podcast! I’m your host Ashley Micciche, co-owner of True North Retirement Advisors, an independent financial advisory practice managing over $340 million in client assets.  On this podcast, I cover everything from investing, to saving, planning, and investing for retirement to debt to social security, healthcare to taxes in retirement in just a few minutes each day, so if you’re 5-10 years on either side of retirement, and looking for some daily doses of retirement planning wisdom, stick around this week as I talk about: It’s A Good Time To Buy Bonds

Welcome to a new week here on the Retirement Quick Tips podcast! I’m your host Ashley Micciche, and I have been pretty sick this week, so I didn’t get around to recording the episodes I planned on this week, so instead, I have a free resource for you: A top 10 retirement checklist Sure, you could do 100 different things to successfully plan for retirement, but if you’re like me, you’ve got time for maybe 10 things (if you’re lucky)!  That was the inspiration for this top 10 checklist - what are the essential things to do before retirement without any of the extra, non-essential fluff. That’s what you’ll find in my top 10 retirement checklist.  To get your free top 10 things to do before retirement checklist, just go to www.truenorthra.com/top10 That’s truenorthra.com/ T O P, then 10, top10 I will be back with new episodes next week, October 30th, but in the meantime, enjoy this free resource. It’s the most comprehensive resource I’ve created to date, and I think it’s really going to give you clarity and confidence about your retirement as you work through the checklist.  That’s it for today. Thanks for listening! I hope you have a blessed week!

It’s Sunday, which means...it’s recap time here on the Retirement Quick Tips Podcast This week the theme was: Don’t Miss The Deadline To Maximize Your 2023 Retirement Contributions

This week’s theme on the Retirement Quick Tips Podcast is: Don’t Miss The Deadline To Maximize Your 2023 Retirement Contributions Today, I’m talking about maxing out your IRA accounts. A lot of people I’ve talked to over the years miss the opportunity to max out their IRA or their Roth IRAs because they wrongly assumed that they couldn’t make IRA contributions because of something they were told or something they read.  This gets a little confusing because your ability to contribute is dependent on your income and whether or not you or your spouse is covered by a retirement plan at work   IRS Tables:  2023 IRA Deduction Limits - Effect of Modified AGI on Deduction if You Are Covered by a Retirement Plan at Work 2023 IRA Deduction Limits - Effect of Modified AGI on Deduction if You Are NOT Covered by a Retirement Plan at Work Amount of Roth IRA Contributions That You Can Make For 2023  

This week’s theme on the Retirement Quick Tips Podcast is: Don’t Miss The Deadline To Maximize Your 2023 Retirement Contributions Today, I’m talking about maxing out your 401k

This week’s theme on the Retirement Quick Tips Podcast is: Don’t Miss The Deadline To Maximize Your 2023 Retirement Contributions Today, I’m talking about maxing out your Health Savings Account (HSA)

This week’s theme on the Retirement Quick Tips Podcast is: Don’t Miss The Deadline To Maximize Your 2023 Retirement Contributions Today, I’m talking about maxing out your emergency fund in 2023. Now there is no actual limit to this account, but I think it’s important to devote some time to the *right* amount you should have saved. 

This week’s theme on the Retirement Quick Tips Podcast is: Don’t Miss The Deadline To Maximize Your 2023 Retirement Contributions Today, I’m talking about maxing out your net worth in 2023, which is just a different way of saying get out of debt ASAP.

Welcome to a new week here on the Retirement Quick Tips podcast! I’m your host Ashley Micciche, co-owner of True North Retirement Advisors, an independent financial advisory practice managing over $340 million in client assets.  On this podcast, I cover everything from investing, to saving, planning, and investing for retirement to debt to social security, healthcare to taxes in retirement in just a few minutes each day, so if you’re 5-10 years on either side of retirement, and looking for some daily doses of retirement planning wisdom, stick around this week as I talk about: Don’t Miss The Deadline To Maximize Your 2023 Retirement Contributions

It’s Sunday, which means...it’s recap time here on the Retirement Quick Tips Podcast This week the theme was: 3rd Quarter 2023 Market & Economic Update

This week’s theme on the Retirement Quick Tips Podcast is: 3rd Quarter 2023 Market & Economic Update Today,  I’m talking about the bond market in review for the 3rd quarter and the outlook going forward.

This week’s theme on the Retirement Quick Tips Podcast is: 3rd Quarter 2023 Market & Economic Update Today, I’m talking about the stock market in review for the 3rd quarter.

This week’s theme on the Retirement Quick Tips Podcast is: 3rd Quarter 2023 Market & Economic Update Today, I’m talking about 7 reasons why I’m pessimistic about the economy

This week’s theme on the Retirement Quick Tips Podcast is: 3rd Quarter 2023 Market & Economic Update Today, I’m recapping what happened in the 3rd quarter this year. And it can pretty much be summed up by continued rising interest rates.

Welcome to a new week here on the Retirement Quick Tips podcast! I’m your host Ashley Micciche, co-owner of True North Retirement Advisors, an independent financial advisory practice managing over $340 million in client assets.  On this podcast, I cover everything from investing, to saving, planning, and investing for retirement to debt to social security, healthcare to taxes in retirement in just a few minutes each day, so if you’re 5-10 years on either side of retirement, and looking for some daily doses of retirement planning wisdom, stick around this week as I talk about: 3rd Quarter 2023 Market & Economic Update

It’s Sunday, which means...it’s recap time here on the Retirement Quick Tips Podcast This week the theme was: Maximizing Your Giving Without Jeopardizing Your Retirement Savings

This week’s theme on the Retirement Quick Tips Podcast is: Maximizing Your Giving Without Jeopardizing Your Retirement Savings Today, I’m talking about why I give.

This week’s theme on the Retirement Quick Tips Podcast is: Maximizing Your Giving Without Jeopardizing Your Retirement Savings Today, I’m talking about 3 Tax-Savvy Giving Strategies RMDs as QCD Donor Advised Fund Bunching

This week’s theme on the Retirement Quick Tips Podcast is: Maximizing Your Giving Without Jeopardizing Your Retirement Savings Today, I’m talking about the secret to growing your charitable giving.

This week’s theme on the Retirement Quick Tips Podcast is: Maximizing Your Giving Without Jeopardizing Your Retirement Savings Today, I’m talking about the secret to getting started with charitable giving

This week’s theme on the Retirement Quick Tips Podcast is: Maximizing Your Giving Without Jeopardizing Your Retirement Savings Today, I’m talking about 4 reasons to give until it hurts.

Welcome to a new week here on the Retirement Quick Tips podcast! I’m your host Ashley Micciche, co-owner of True North Retirement Advisors, an independent financial advisory practice managing over $340 million in client assets.  On this podcast, I cover everything from investing, to saving, planning, and investing for retirement to debt to social security, healthcare to taxes in retirement in just a few minutes each day, so if you’re 5-10 years on either side of retirement, and looking for some daily doses of retirement planning wisdom, stick around this week as I talk about: Maximizing Your Giving Without Jeopardizing Your Retirement Savings

It’s Sunday, which means...it’s recap time here on the Retirement Quick Tips Podcast This week the theme was: Do I Save For My Retirement or My Kids' College?

This week’s theme on the Retirement Quick Tips Podcast is: Do I Save For My Retirement or My Kids College? Today, I’m talking about how to have “the talk” with your kids about college.  No, not the birds and the bees…hopefully if your kids are getting close to college, you’ve already had that talk.

This week’s theme on the Retirement Quick Tips Podcast is: Do I Save For My Retirement or My Kids College? All this week, I’ve been talking about prioritizing saving for your own retirement over saving and paying for your kids' college.  Today I want to turn to an important step in doing both at the same time, and that is arming yourself with the information on cost, before making a decision.

This week’s theme on the Retirement Quick Tips Podcast is: Do I Save For My Retirement or My Kids College? Many parents help their kids pay for college even when they can’t afford to or when it’s negatively impacting their own financial future, because they want to do everything they can to help their children and set them on the path to success.  As I’ve talked about this week, the priority should be making sure your own retirement is taken care of before you foot the bill for junior’s $100,000 college bill.

This week’s theme on the Retirement Quick Tips Podcast is: Do I Save For My Retirement or My Kids College? Today, I’m talking about the perfect storm of college and retirement converging at the same time.

This week’s theme on the Retirement Quick Tips Podcast is: Do I Save For My Retirement or My Kids College? Today, I’m talking about the guiding principle that should help you decide whether to prioritize saving for your kids' college or saving for your own retirement…

It’s Sunday, which means...it’s recap time here on the Retirement Quick Tips Podcast This week the theme was: The Art of Spending Money In case you missed any episodes, here’s what I talked about this week: How Did Your Upbringing Influence How You Spend Money? Devotion to Expense Regardless of Pleasure Why You Can’t Enjoy Spending Money The Man Who Can Buy Everything Values Nothing No One Is Impressed With Your Stuff

This week’s theme on the Retirement Quick Tips Podcast is: The Art of spending money.  I’m sharing reflections from a blog post from Morgan Housel on this topic.  Link to post: https://collabfund.com/blog/the-art-and-science-of-spending-money/  Today I’m talking about why no one is as impressed with your stuff as much as you are  

This week’s theme on the Retirement Quick Tips Podcast is: The Art of spending money. I’m sharing reflections from a blog post from Morgan Housel on this topic.  Link to post: https://collabfund.com/blog/the-art-and-science-of-spending-money/  Today I’m talking about how the joy of spending money can lose its luster over time because there’s less struggle and sacrifice represented in those purchases.  

This week’s theme on the Retirement Quick Tips Podcast is: The Art of spending money.  I’m sharing reflections from a blog post from Morgan Housel on this topic.  Link to post: https://collabfund.com/blog/the-art-and-science-of-spending-money/  Today I’m talking about one of the biggest challenges I face with clients when they retire...  

This week’s theme on the Retirement Quick Tips Podcast is: The Art of spending money.  I’m sharing reflections from a blog post from Morgan Housel on this topic.  Link to post: https://collabfund.com/blog/the-art-and-science-of-spending-money/  Today I’m talking about how many of us are trapped by our spending, often without realizing it. 

This week’s theme on the Retirement Quick Tips Podcast is: The Art of spending money.  I’m sharing reflections from a blog post from Morgan Housel on this topic.  Link to post: https://collabfund.com/blog/the-art-and-science-of-spending-money/  Today I’m talking about how your background, upbringing, and past experiences heavily influence your spending decisions today.   

Welcome to a new week here on the Retirement Quick Tips podcast! I’m your host Ashley Micciche, co-owner of True North Retirement Advisors, an independent financial advisory practice managing over $340 million in client assets.  On this podcast, I cover everything from investing, to saving, planning, and investing for retirement to debt to social security, healthcare to taxes in retirement in just a few minutes each day, so if you’re 5-10 years on either side of retirement, and looking for some daily doses of retirement planning wisdom, stick around this week as I talk about: The art of spending money.

It’s Sunday, which means...it’s recap time here on the Retirement Quick Tips Podcast This week the theme was: 5 Investments Every Retiree Should Own In case you missed any episodes, here’s the rundown of an ideal portfolio for someone who retires today in my humble opinion: High Quality Dividend Growing Stocks - 45% of your total portfolio High quality bond ladder - 35% of your total portfolio All cap growth (US) based strategy - 10% of your total portfolio International stocks - 5% of your total portfolio Money market/short term bonds or CDs - 5% of your total portfolio