Retirement Starts Today

By: Benjamin Brandt CFP® RICP®
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  • Summary

  • Do you want to spend more money in retirement, while paying less taxes? Great news, you're in the right place! I'll also teach you the benefits of retiring TO something, while most retirees only solve half the equation by retiring FROM something. Tune in every Monday morning - hosted by Benjamin Brandt CFP, RICP. Join my "Every Day is Saturday" weekly newsletter for show notes, free book giveaways and other great retirement content: www.retirementstartstodayradio.com/newsletter
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Economics Personal Finance
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Episodes
  • Navigating the Complex World of Inherited Wealth with Myra Salzer, Ep #375

    Navigating the Complex World of Inherited Wealth with Myra Salzer, Ep #375
    Nov 18 2024
    Ready to learn how to make a lasting and meaningful legacy for your loved ones? I had an in-depth conversation with Myra Salzer from the Wealth Conservancy. Myra brings a unique perspective as a financial advisor who specializes in helping clients navigate life after inheriting significant wealth. We explore not just the financial implications but the deeply personal challenges that can come with inheriting a fortune. Myra shows us how inheritors are similar to retirees in that both are financially independent, yet they differ significantly in their experiences. Unlike retirees who have worked, saved, and planned, many inheritors have never experienced earning and managing money themselves. This usually leads to a lack of control over their finances, emotional challenges, and pretty complex social relationships. We also get into the importance of transparency and avoiding surprises when planning an inheritance. Myra shares invaluable advice on how wealthholders can communicate with beneficiaries to build trust and strengthen relationships. For those of us planning to leave a financial legacy, this conversation is a must-listen to ensure that our wealth becomes a true blessing for future generations. Outline of This Episode [0:20] Meet Myra Salzer[1:18] Myra’s specialty[3:05] Inheritors’ limited control[4:48] Differences between inheritors and retirees[6:00] Social challenges where inheritors often struggle[8:20] Avoiding surprises in inheritance planning[14:00] The value of smaller, meaningful gifts Resources & People Mentioned The Retirement Podcast NetworkBook: Die with Zero Connect with Myra Salzer Myra’s Website - The Wealth ConservancyMyra’s YouTube ChannelThe Inheritor’s Sherpa Connect with Benjamin Brandt Become a Client: www.retirementstartstoday.com/startGet the Retire-Ready Toolkit: http://retirementstartstodayradio.com/Follow Ben on Twitter: https://twitter.com/retiremeasapJoin the newsletter: https://retirementstartstodayradio.com/newsletterGo deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on Apple Podcasts, Stitcher, TuneIn, Podbean, Player FM, iHeart, or Spotify
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    19 mins
  • Veterans Day Special: Reflecting on Service and Lessons Learned, Ep # 374

    Veterans Day Special: Reflecting on Service and Lessons Learned, Ep # 374
    Nov 11 2024

    In this episode, we step away from our usual financial discussions to share personal stories from our military service. Why? To give listeners a glimpse of who we are beyond our roles as financial advisors—so we opened up about how our time in the service shaped our lives.

    Bret shares his experience working in logistics and on the flight line in the Air Force, while I discuss my years as a combat engineer in the Army National Guard. We both reflect on how those experiences influenced our paths and continue to impact our work today.

    Bret talks about his five years of active duty and four years in the reserves, highlighting memorable assignments from Korea, Guam, and Germany, and sharing humorous tales about managing logistics and hazardous materials.

    I share stories of my time in Iraq, from conducting mine detection patrols to the lessons learned during long days in a tent. Our service stories illustrate how those years instilled lessons that we now apply to our roles as financial planners.

    We close the episode with some actual advice on how to give financial gifts to loved ones in a tax-smart way. This special Veterans Day episode honors the holiday by sharing how our military experiences have shaped us and reminding listeners of the lasting impact service can have.

    Outline of This Episode
    • [0:32] Why are we pausing our financial talk to share our military stories?
    • [1:36] What was Bret’s role in the Air Force, and how did it shape his journey?
    • [3:40] Which memorable places did Bret serve, and what did he learn?
    • [7:00] How did my role as a combat engineer lead to unexpected experiences?
    • [8:50] What connections can we draw between military service and advising?
    • [14:17] How can you give cash or assets to loved ones in a tax-efficient way?
    • [19:10] Final thoughts on recognizing veterans and what their service means
    Resources & People Mentioned
    • The Retirement Podcast Network
    Connect with Benjamin Brandt
    • Become a Client: www.retirementstartstoday.com/start
    • Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com/
    • Follow Ben on Twitter: https://twitter.com/retiremeasap
    • Join the newsletter: https://retirementstartstodayradio.com/newsletter
    • Dive deeper into retirement planning with Ben at www.RetirementIncome.University

    Subscribe to Retirement Starts Today on

    Apple Podcasts, Stitcher, TuneIn, Podbean, Player FM, iHeart, or Spotify
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    20 mins
  • Investing in Health: The Steps to a Longer, Better Retirement, Ep #373

    Investing in Health: The Steps to a Longer, Better Retirement, Ep #373
    Nov 4 2024
    Investing in health can lead to a more vibrant, enjoyable retirement. In this episode, I share the personal health investments I've made, like sleep tracking and working with a health coach, each designed to enhance well-being and longevity. Prioritizing health alongside wealth allows us to fully embrace retirement. I detail four key health tools, each with its own costs and benefits. From the Whoop Strap for monitoring sleep quality to MyFitnessPal for tracking nutrition, these tools help create a healthier lifestyle. My biggest investment was a full-body MRI, providing peace of mind and preventive insights—sometimes, the best financial choice is a health choice. To finish, Brett and I answer a listener's question on Roth conversions, covering the best timing to optimize tax efficiency and avoid penalties. This episode offers practical advice for a health-focused, financially savvy retirement. Outline of This Episode [0:27] Nine-Year Milestone and Book Announcement[2:30] The Importance of Investing in Health[4:17] Wearable Tech: The Whoop Strap[6:10] Health Coaching and Nutrition Tracking[8:08] Long-Term Investment in a Full-Body MRI[13:06] Listener Question: Optimal Timing for Roth Conversions Resources & People Mentioned The Retirement Podcast NetworkWhoop Strap – Wearable device for tracking recovery and sleep qualityMyFitnessPal Premium – Nutrition and macro tracking appPrenuvo – Provider of full-body MRI scansPeter Diamandis and Fountain Life – Inspiration for full-body MRI screenings Connect with Benjamin Brandt Become a Client: www.retirementstartstoday.com/startGet the Retire-Ready Toolkit: http://retirementstartstodayradio.com/Follow Ben on Twitter: https://twitter.com/retiremeasapJoin the newsletter: https://retirementstartstodayradio.com/newsletterDive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on Apple Podcasts, Stitcher, TuneIn, Podbean, Player FM, iHeart, or Spotify
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    22 mins

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