Retirement Today

Michael Reese

Retirement Revolution is a podcast for retirees and pre-retirees looking to gain knowledge during the fundamental shift in their lives when it comes to retirement. We believe that your best is yet to come and you deserve to get good information to make good retirement decisions.

All Episodes

Conventional retirement wisdom may have been useful at some point in history, but it is no longer the right guidance. Tune into this week's episode of Retirement Today, where Mike breaks down some avoidable retirement mistakes.

Nov 29

37 min 25 sec

Risk profile questionnaires can be helpful while your are trying grow your assets, but your retirement is much more nuanced and requires more planning that a multiple choice quiz. Learn why you should stop retiring this way, on this episode of Retirement Today.

Nov 22

36 min 44 sec

Your financial advisor might be telling you that you're ready to retire. But have they talked to you about the necessary tax and income planning necessary to keep yourself in retirement? Check out this week's episode of Retirement Today, where Mike explains why you might not be ready for retirement.

Nov 15

34 min 57 sec

Investing for retirement is very different than investing in retirement. Where do your priorities lie in your retirement investments? Growth? Risk? Check out this week's episode of Retirement Today, where Mike explains what you need to think about before transitioning into retirement.

Nov 8

45 min 33 sec

Pay a lot of tax initially is an off-putting idea, especially when reducing taxes is your goal. But when you look at the long road ahead, paying your Roth conversion tax upfront can have a lot of benefits. Check out this week's episode of Retirement Today, where Michael Reese explains why you should pay tax now, instead of later.

Nov 1

46 min 29 sec

How much do you need to retire? This is the question on everyone's mind, but is there a simple answer? In this week's episode of Retirement Today, Mike answers, if you're nearing retirement, have you saved enough?

Oct 25

46 min 7 sec

Has anyone shown you what your future with taxes will look like? Tax planning is an essential aspect of retirement planning that can bite hard if not cared for. Tune into this week's full episode of Retirement Today, where Mike explains how you can pay less tax.

Oct 18

26 min 26 sec

Getting older brings health complications that you must prepare. Having a solid plan for the future of your healthcare will help entering retirement to be as easy and comfortable as possible. Check out this week's episode of Retirement Today to hear Mike explain why you need to ensure you have a plan for healthcare.

Oct 11

13 min 21 sec

When you take a loan out to buy a house, your loan repayment is typically set to a fixed rate, unless you decide otherwise. Taking money out of your 401k? The taxes can vary greatly! Check out this week's episode of Retirement Today, where Mike talks about good debt vs bad debt.

Oct 4

13 min 4 sec

When you're retiring, it's easy to look at whatever you've saved and think that you're fine, but what lifestyle are you trying to live? Are you trying to live similar, or better than you are now? In which case, you'll need to replace your income. Check out this week's episode of Retirement Today, where Mike explains how NOT to retire.

Sep 27

15 min 10 sec

A common concern is if you have saved enough to retire when you want. Have you saved enough for retirement? Is that even the right question you should be asking? Tune in to this week's episode of Retirement Today, where Mike explains how much money you need to retire.

Sep 20

15 min 4 sec

Don't enter retirement thinking that your retirement savings and Medicare will cover you. You need to be prepared for any outcome, and the demand for long term care is increasing, which isn't covered by Medicare. Tune into this week's episode of Retirement Today, where Mike explains how to protect your health in retirement.

Sep 13

15 min 7 sec

The market is currently the highest it's ever been. Don't count on it staying that way. Don't get caught when the market goes south. Tune in to this week's episode of Retirement Today, where Mike explains how to prepare for a market crash.

Sep 6

14 min 51 sec

As you get older, and your life begins changing, your tax situation changes with you. Normally, this results in you landing in a much higher tax bracket. Tune into this week's episode of Retirement Today, where Mike explains how you will pay more tax in retirement.

Aug 30

15 min 20 sec

With the market being at it's most over-valued stage, an impending market crash does not seem likely. You need an income plan in order to secure a financially secure retirement. Check out this week's episode Retirement Today, where Mike explains the necessity for an income plan.

Aug 23

15 min 16 sec

Being financially secure encompasses planning for all of your potentially financial situations. Preparing for all tax, health and life situations is key securing your financial life. Tune into this week's episode of Retirement Today, where Mike describes achieving financial security.

Aug 16

15 min 11 sec

There's a lot of opinions on whether someone needs life insurance. While there can be hesitancy on the topic, when life insurance is designed correctly it can be a valuable tool in retirement. Check out this week's episode of Retirement Today, where Zach and Mike explain why the wealthy don't ignore life insurance.

Aug 9

14 min 42 sec

As you approach your retiring years, you also approach a storm of tax issues that can be disastrous without the proper planning. Is your 401k a tax nightmare? What is there to fix it?

Aug 2

15 min 3 sec

Ever wondered how rich stay rich? This week's episode of Retirement Today covers the best and most reliable investment strategy that will help you maintain financial security over a long period of time. Check out this week's Retirement Today, where Mike explains how the wealthy stay rich.

Jul 26

14 min 53 sec

Taxes are inevitable, everyone has to pay taxes. Yet, as guaranteed as taxes are, the rate in which you'll have to pay them is one of the greatest financial. risks entering retirement. In this week's episode of Retirement Today, Mike talks about tax planning to avoid the IRS.

Jul 19

15 min 13 sec

How do politicians get people to support raising taxes? When they sell as it as a tax on the rich, it sounds a lot better. But is this what they're doing? Listen to this week's episode of Retirement Today, where Mike explains how politicians lie to sell tax hikes.

Jul 12

15 min 22 sec

Amongst the new proposed changes to the US tax code are changes to capitol gains and step up in basis. Learn more about what this means on this week's episode of Retirement Today.

Jul 5

14 min 56 sec

Biden has proposed some big changes to the tax code. These changes are sold as 'taxing the rich', however, Mike reveals how these changes will impact everyone. Listen to this week's episode of Retirement Today, where Zach and Mike discuss Biden's terrible tax plan

Jun 28

14 min 59 sec

Building your wealth is a common and necessary topic of discussion, however, when it comes to retirement, protecting your wealth is a far more important conversation. Join Zach and Mike in this week's episode of Retirement Today, where they discuss how to protect your wealth.

Jun 21

15 min 1 sec

Your savings are crucial to your successful and happy retirement. You must spend the time carefully crafting a savings plan that you can rely on. Mike can help with that. Watch this week's podcast, where Mike and Zach discuss the importance of having a smart savings plan.

Jun 14

14 min 53 sec

Most people entering retirement want their lifestyle to stay the same, no one wants to retire into a reduced lifestyle. Tune in to this week's episode of Retirement Today, where Mike and Zach discuss the importance of building an income plan that can fund you in retirement.

Jun 7

14 min 49 sec

Are you nearing retirement and feel unprepared? Preparing for retirement can feel overwhelming, but there are plenty of ways to prepare to give you a greater sense of security. Join Zach Holcomb and Michael Reese, CFP, in this week's episode of Retirement Today, where they discuss retiring in 5 years.

May 31

15 min 5 sec

Proactive tax planning is often overlooked in setting yourself up for success in retirement. While people max out their 401k, they still have a mortgage to pay off, leaving more tax problems for later. What are you doing wrong, and what can you do better? Join Zach Holcomb, and Michael Reese, CFP, on today's episode of Retirement Today, where they go in-depth on the topic of proactive tax planning.

May 24

14 min 54 sec

Being a smart investor is important to creating your wealth in preparation for retirement. However, not enough people discuss the huge impact that taxes have on your earnings upon entering retirement and withdrawing your hard earned investments. Join Zach Holcomb, and Michael Reese, CFP, as they talk in depth on the relationship between investing and taxes.

May 17

14 min 12 sec

President Biden has announced a variety of tax increases, that are supposedly aimed only at the 'the rich'. Mike explains why this is not true. Join us on this episode of Retirement Today, where Mike will explain how to protect yourself from Biden's tax hike, and explain the misconceptions in his recent announcement.

May 10

22 min 17 sec

What's our process? Our financial advising process is simple, and optimized to assist you. Let's break it down. Join Zach Holcomb and Michael Reese, CFP, on this week's Retirement Today, as they breakdown our financial advising process.

Apr 26

26 min 17 sec

With the passing of Bernie Madoff, it is critical that we all learn from such a dark mark in financial history. Learning to spot red flags for financial fraud will help us stop more Bernie Madoffs from existing. Join Michael Reese and Zach Holcomb in this week's episode, where they will be discussing how to spot red flags for financial fraud.

Apr 19

21 min 27 sec

There are so many moving parts when it comings to planning a complete retirement plan. Is your retirement plan complete or incomplete? Join Michael Reese, CFP, and Zach Holcomb as they cover this weeks topic, do you have a complete retirement plan?

Apr 12

28 min 14 sec

You need to make sure that your financial advisor has your best interests in mind, otherwise, you might not be getting the most value out of their services. Join Michael Reese, CFP, and Zach Holcomb as they cover this weeks topic, what is a fiduciary?

Apr 5

26 min 42 sec

Why continue to use life insurance after retirement? There are a lot of tax benefits that most people don't know about! Join Zach Holcomb and Michael Reese, CFP as they discuss the reasons why you need life insurance after you retire.

Mar 22

20 min 6 sec

Did you know there are three types of financial advisors, and each level is suited for different needs? If you didn't, then you should watch today's podcast and learn which level is right for you. Join Zach Holcomb and Michael Reese, CFP as they discuss the different levels of financial advisors and what makes them unique.

Mar 15

31 min 54 sec

The market is at a very historic and unique place currently, and there has been a lot of speculation about a looming market crash. Is the speculation true? Is this something you should be prepared for? Join Zach Holcomb and Michael Reese, CFP as they discuss the possibility of a nearing market crash, and what you should do about it.

Mar 8

17 min 41 sec

You are probably familiar with the phrase "return on investment". However, this concept is not always as simple as it seems. There is a common misunderstanding when it comes to what this ACTUALLY means when it comes to your investment returns. Join Zach Holcomb and Michael Reese, CFP as they explain how losses can tremendously hurt you more then gains when it comes to your investments portfolio.

Feb 15

23 min 24 sec

It's a brand new year. We have a democratic president and changes in the senate and congress. That means BIG tax changes are potentially on the horizon for you going forward. Join Zach Holcomb and Michael Reese, CFP as they discuss what is to potentially change tax wise with drastic changes in the White House.

Feb 1

31 min 7 sec

2020 was an eventful year and we experienced a lot of changes. One of those changes was the waiver of required minimum distributions (RMDs) in 2020. However, we are now in 2021 and RMDs are back. Join Zach Holcomb and Michael Reese, CFP as they talk all things RMDs and what you need to do to prepare for them in retirement.    https://www.irs.gov/pub/irs-tege/uniform_rmd_wksht.pdf 

Jan 18

26 min 22 sec

Long-Term care. While it's not fun to think about, but if you narrow down your choices a bit, making a plan for what for some ends up costing several thousand per month becomes less daunting.   Join Zach Holcomb and Michael Reese, CFP as they discuss a new way to take long term care in retirement, along with other strategies to plan for health care coverage in your retirement years.   https://longtermcare.acl.gov/the-basics/how-much-care-will-you-need.html

Jan 11

29 min 51 sec

When you lose a spouse, your tax picture drastically changes, and not for the better. While this can be an uncomfortable topic, it is important to address this.   Join Zach Holcomb and Michael Reese, CFP as they discuss ways you can prevent leaving your spouse with an uncertain tax future. 

Dec 2020

28 min 5 sec

Have you ever asked yourself "How much money do I need to retire?" That is a loaded question. But it's important to have some idea of where you want to go so you can plan for it.   Join Zach Holcomb and Michael Reese, CFP as they discuss 4 factors to help determine the answer to the question every retiree asks.

Dec 2020

28 min 20 sec

Every four years, the U.S. presidential election can have a major impact on policy, laws and foreign relations. But how do presidential elections affect the market?   Join Michael Reese, CFP and Zach Holcomb as they take a look at how the election results may impact your personal finances: taxes, investments, health care, retirement, and more.

Nov 2020

25 min 24 sec

Social security is a major part of your retirement income, even if you already have plenty of assets. Determining when to start collecting social security is an important financial decision that requires careful consideration of many factors.    Join Michael Reese, CFP and Zach Holcomb as they dive into a discussion on weighing your options, and carefully assessing the factors you need to be aware of, before making the decision to start your social security.

Nov 2020

25 min 9 sec

Paying off your home mortgage before you decide to retire is a massive achievement, but you don’t necessarily have to pay your home off to retire comfortably. Some people enjoy the peace of mind that comes with a debt-free retirement. However, you should always weigh good feelings against the financial facts.   Join Michael Reese, CFP and Zach Holcomb as they discuss the pro’s and con’s of a mortgage in retirement.   https://bit.ly/3mSNNvX

Nov 2020

21 min 54 sec

When talking about investment portfolios and plans, people tend to only focus on asset allocation. However, people don’t realize that the importance of asset LOCATION is just as important. Join Michael Reese, CFP and Zach Holcomb for a can’t miss discussion on how you can plan, to not only make sure your investments are allocated properly. But to be sure they are in the right locations as well. https://www.morningstar.com/articles/858738/the-pivotal-role-asset-location-plays-in-a-portfolios-success

Nov 2020

20 min 41 sec

Coronavirus has upended the traditional rhythm of an American presidential election year. 2020 is still an election year, however, and the campaigns will go on. While this election will have a massive impact on our country, one area where we caution investors from drawing too many links is the world of investing. Join Michael Reese, CFP and Zach Holcomb for an inside look on investing truths no matter who wins this year's election.

Nov 2020

29 min 56 sec

Have you ever been curious about the similarities and differences between Mutual Funds and Exchanged Traded Funds? (MF and ETF)? The truth is that both have a lot in common. There are several key differences, however, that could make one a better option for you than the other.   Join Michael Reese, CFP and Zach Holcomb for a discussion in terms of how they are bought and sold, how their prices change, their fees, commissions and loads, their income tax implications, their holding restrictions, their investment minimums, and more.

Oct 2020

28 min 15 sec

When you get ready to leave the workplace, the importance of planning for INCOME in retirement is of the upmost importance. Join Michael Reese, CFP and Zach Holcomb for a high-level discussion on the importance of planning for income in retirement.   Switching gears from saving for retirement to turning that savings into a retirement paycheck is a tricky proposition. Listen in to learn about the steps that can help bring your retirement income plan into focus.

Oct 2020

29 min 43 sec