My Retirement Clarity with Lee Perkins

Lee Perkins

Financial and retirement planning with financial planner Lee Perkins, president of JL Perkins Wealth Management in the Macon, Georgia area. Get ready for a good dose of inspiration, simplicity, implementation and, of course, clarity on each and every show. Lee will explore the ways you can successfully prepare for retirement and how to grow and preserve your wealth.

All Episodes

To successfully complete a jigsaw puzzle, there are some strategies that you’ll want to keep in mind. And many of those same strategies apply to retirement planning… Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Dec 1

17 min 32 sec

Before you can live the retirement dream, you have to figure out what the dream looks like in the first place. Let’s talk about some of the things you need to dream about. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Nov 17

19 min 53 sec

Proverbs 16:18 says “Pride goes before destruction, a haughty spirit before a fall.” Let’s talk about some of the ways that pride might manifest itself in your financial planning in the form of overconfidence. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Nov 3

20 min 15 sec

We dedicate this show to answering some listener questions that have come in. We will discuss RMD rules, how much investing knowledge you need, and contributing money to a Roth IRA. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Oct 21

19 min 38 sec

If you’ve ever ridden the subway in London, you’ve probably seen the “Mind the Gap” signs warning you to be aware of the gap between the train door and the station platform. Let’s talk today about minding the gaps in retirement planning. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Oct 7

21 min 28 sec

So, you’re experiencing some concerning symptoms? Let’s have a visit with the money “doctor” to see what financial prescriptions you might need. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Sep 16

18 min 51 sec

There’s an old quote that says, “Age is the price of wisdom.” Let’s talk about how that applies to the financial world. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Sep 2

19 min 8 sec

Everyone has a different reason, goal or something they want to accomplish in retirement. Let’s explore some of the various motivations people have in retirement and how your financial advisor can help you accomplish what you set out to do. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Aug 19

18 min 32 sec

One of the largest employers in the Macon area is GEICO. Over the years, Lee has sat down with many employees of this company and helped them plan for retirement. There have been many common traits among this demographic of people, so Lee wanted to put the most common problems he has seen in his new book "Leaving The Lizard." Important Links: Get The Book: https://nw905joa.pages.infusionsoft.net/ Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Aug 5

14 min 45 sec

If you’re of the age that your mom and dad retired 20 or 30 years ago, the world was a much different place when they walked away from their paychecks. Let’s talk about how things are different now. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Jul 15

22 min 47 sec

At first glance, each of these statements seem like basic common sense that everyone agrees with. But when we look at the way people actually behave with their money, it seems that common sense is actually a bit uncommon. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Jul 1

21 min 26 sec

Some people in the financial world speak in code. It’s important for you to learn how to crack that code. Let’s look at a few examples of what you’ll hear someone say, but breakdown what they really meant. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Jun 17

18 min 14 sec

If we take a look at the world of medicine, we can learn some valuable lessons that can be applied to your financial life. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Jun 3

18 min 28 sec

If you had a million dollars, how long would it last you in retirement? How drastically does that longevity change if you move to a bigger/smaller city? We’ll take a look at some stats from various areas across the country to show how difficult it is to make your money last in some areas, and how easy it might be in others. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

May 20

20 min 53 sec

Let’s talk about some of the areas of your financial life where you might be flirtin’ with disaster and don’t even know it on today's show. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

May 6

21 min 43 sec

Let’s look at some of the richest people in the music industry and see what lessons we can learn from them that we can apply to our own retirement planning. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Apr 15

26 min 27 sec

You don't want to make an assumption when it comes to your money and retirement. Instead, learn how to take control of your finances rather than hoping things fall into place on their own. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Apr 1

21 min 27 sec

With threats like rising interest rates and inflation, Lee discusses many of the risks that can come with your financials as you approach retirement. Don't wait until it's too late, protect yourself now from these risks. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Mar 18

23 min 40 sec

A recent survey found that nearly half of the female respondents said they defer major financial and investment decisions to their spouses. Most of the explanations amounted to just wanting to stick their heads in the sand. They want to just know they’re taken care of, but not get mired in the minutia. But we’ve heard countless stories of why this is a bad idea because one day you might become the lead decision maker. On this episode, let’s go over some tips for how women can get back in the game when it comes to involvement in the process of making financial decisions. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Mar 4

21 min 7 sec

We sit down with Susan and Larry Johnson on today's show. They have been married for almost 40 years and are making the most out of their retirement. The couple has traveled extensively, so Lee asks them some questions about their traveling experiences as well as how they've felt about retirement so far. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Feb 18

45 min 18 sec

Have you ever stopped to think about your journey of learning all that you have about money and finances? Did your parents shape your financial views most heavily? Is there a TV or radio expert that has influenced you most? Or have you learned everything from a book or Google? Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Feb 4

30 min 55 sec

You’ve probably never heard anyone make these statements that we’ll provide on today’s episode. And there are some great reasons why. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Jan 21

17 min

Have you thought about what life is going to be like for you in retirement? Is there a particular lifestyle you’re seeking? Not all retirement planning is about the finances. Let’s look at some of the lifestyles that are popular among retirees and discuss some of the financial things to consider if you’re going to try to live out one of these particular living situations. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Jan 7

23 min 20 sec

Is the place where you’d like to retire on the Top 15 list? On this episode, we’ll review the US News & World Report’s top 15 retirement locations and share stories of past clients who made the decision to move somewhere else for retirement and what went into those decisions from an emotional and financial standpoint. Important Links: Article: https://bit.ly/37sxnp9 Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Dec 2020

20 min 51 sec

A lot of concern goes into trying to pick the proper investments, build a balanced portfolio, and getting the highest return. But how much time have you really put into finding the right advisor to work together with on all these tasks and more? You might be surprised to find out that a lot of people don’t do their due diligence or put in a considerable amount of thought into picking their advisor. And ultimately, that leads a lot of people to not understanding what they should expect from such a relationship. So, we want to clear some of that up on this episode and clarify some of the ways you can evaluate your current advisor relationship and how to shop for, and find, the right advisor for you. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Dec 2020

23 min 31 sec

We’re talking specifically to Baby Boomers on this episode. What are the most common challenges, fears and objectives of this generation? What are some of the mistakes Boomers often make and how can they be avoided? We’ll ask and attempt to answer those questions on today’s show. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Nov 2020

19 min 28 sec

On this episode, we present you with five commandments that are worth of being written on stone tablets in your retirement plan. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Nov 2020

21 min 56 sec

Vanguard’s “How America Saves 2020” report is packed with lots of intriguing stats and findings about Americans and how they save for retirement in the crazy year that is 2020 (most of the recent data is technically from 2019 although some figures are current through the Spring of 2020). Let’s look at some of the top takeaways from the study and how you might compare to the “normal” savings behaviors of Americans. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Oct 2020

25 min 56 sec

We get a lot of questions about how the house (or houses) fit into retirement plans. From downsizing to rental properties to interest rates, let’s explore some of the top retirement questions as it relates to all things housing. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Oct 2020

20 min 45 sec

Everyone has read blogs, watched shows, and listened to people talk about all the key ways to improve or succeed in retirement. But what about how you can mess it all up? Let’s tackle five easy ways to ruin your retirement (then just do the opposite of these things and you’ll be fine). Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Sep 2020

19 min 35 sec

The IRA is an incredibly popular vehicle to save for retirement. But are you being too passive about how you’re saving and investing inside that account? Let’s put your IRA through some scrutiny to see if you’re truly taking advantage of all it has to offer and understand its pros and cons. Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Sep 2020

22 min 18 sec

There are a few new, exciting changes coming to the podcast. Tune in to see what's in store for the future! Important Links: Website: myretirementclarity.com/podcast/ Call: 478-254-3550

Aug 2020

3 min 32 sec

It is a life event that can be one of the most difficult things to go through both emotionally and financially. When one spouse dies, the remaining spouse is left to wrestle with a mountain of questions and choices. And although it’s difficult to discuss, proper planning can help make it easier to transition through this major life event. Let’s explore what someone should do in the event of a spouse’s passing, but also some of the pre-planning that can take place. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Aug 2020

16 min 42 sec

We often find that people are clinging to certain ideas or beliefs that end up giving them a sense of false hope about their retirement. It’s a dangerous position to be in. Let’s explore some of the faulty thinking that ultimately leaves people underprepared for retirement. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Aug 2020

18 min 47 sec

It seems that most people don’t have a clear picture of whether they should contribute to a traditional IRA or a Roth. Let’s discuss how to determine what’s best for you. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Jul 2020

17 min 7 sec

We were playing the dangerous game of perusing the comments section of a recent article about COVID-19 and the impacts on retirees and how much money you’ll need to retire going forward. The trip into the comments section is always a mixed bag of trolling, inaccuracies, and sometimes surprisingly helpful insight from what we’ve come to describe as “Keyboard Warriors.” So, let’s look at some of the sentiments found under this recent article and see if they resonate with how others truly see the financial world, retirement, and how to best prepare for it all. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Jul 2020

19 min 23 sec

Let’s talk about some financial planning “strategies” that don’t really work (even though some people, even some financial advisors, believe in them). Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Jun 2020

17 min 2 sec

Dave Ramsey has earned a lot of respect among savers and investors over the years as evidenced by his enormously popular radio show, books and sold out performance venues when he speaks. But is all of his advice worth following? Is it possible that some of the things he professes will actually hurt you financially? Let’s take a look at some of Dave’s most popular advice and see if and when it makes sense for retirees and pre-retirees to disagree. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Jun 2020

20 min 53 sec

We were planning to bring up this conversation before the Coronavirus pandemic hit, but now it just makes it even more important to discuss. You likely seek financial advice from lots of difference sources. And some of those sources will certainly have good intentions, but they’ll often give bad financial advice. Let’s look at some examples and explore the reasons why we have to be very careful from whom we’re taking this important guidance. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

May 2020

18 min 15 sec

Sometimes events happen in life that make it really important for you to carefully assess your financial situation. Let’s explain why each of these events is usually a good reason for a financial review. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

May 2020

19 min 8 sec

Have you ever gotten lost? Not that much fun is it? Well, getting lost in the car or in the woods is a lot like getting lost in retirement planning. Let’s look at the reasons that people get lost, and then how to get back on track. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Apr 2020

21 min 31 sec

The Coronavirus (COVID-19) is having a dramatic impact on our daily lives and many people are taking a huge financial hit from lost wages, a volatile stock market, and general economic uncertainty. Lee will give his thoughts on the current situation and why having a plan is so crucial in times like these. We will also discuss some financial truths that we can state with confidence and see what we can learn from them. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Apr 2020

18 min 36 sec

The idea of a Roth conversion is intriguing to a lot of people, and for some people it can be a great strategy to enact. Let’s explore the concept… Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Mar 2020

20 min 45 sec

Different people have different levels of desire when it comes to finding their retirement date. Let’s explore these different levels of desire, as indicated by the statements people might make, and discuss how we’d help someone at these different levels. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Mar 2020

18 min 7 sec

A lot of financial professionals say things that just aren’t true. And it’s not that they’re intentionally trying to mislead, it’s just that they’ve been trained to use certain talking points, which they might even believe to be true themselves. Let’s talk about the statements you should be cautious of if you hear them from a financial advisor. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Feb 2020

17 min 10 sec

It’s always good to keep yourself up to date with what’s going on in the financial world. But it’s also important to understand that the information you get from the media isn’t completely unbiased. Let’s talk about some of the problems with the financial media. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Feb 2020

17 min 14 sec

Sometimes people say they don’t want to retire…and sometimes they really mean it. Other times it’s just a defense mechanism to compensate for the fact that they feel like they can’t retire. So let’s explore some of the possible meanings behind the statement, “I don’t want to retire.” Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Jan 2020

17 min 16 sec

Trustworthy. Likeable. Problem-solving. Good listener. We should be describing your financial advisor or a potential advisor if you’re in the process of finding one. On today’s show, we’ll talk about why it’s so important for your advisor to embrace these kinds of characteristics. That’s the easy part. But we’ll also tackle the harder part and discuss some tangible ways how you can determine if an advisor has these characteristics or not. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Jan 2020

15 min 10 sec

Myths, rumors, and misunderstandings are pervasive in the world of Social Security. On this show, we'll look to clear up the top 5 misunderstandings about Social Security. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Dec 2019

19 min 45 sec

Not everything goes smoothly in your financial life. We'll look at some negative circumstances that many retirees and pre-retireers face and help you find the silver lining in the midst of tough situations. Important Links: Website: https://jlperkinswealth.com/podcast/ Call: 478-254-3550

Dec 2019

17 min 9 sec