Retirement readiness isn’t about predicting the future, it’s about being prepared for it.

In this episode, we discuss the essential elements of a strong retirement plan and how thoughtful preparation helps you move forward with confidence. Using lessons from aviation, we explore why having a clear plan, managing market volatility, and avoiding common estate and Social Security mistakes can make all the difference.

Whether you’re approaching retirement or already there, this conversation focuses on what truly matters as you plan for the years ahead.

Chapters
00:00 Intro
𝗦𝗼𝗮𝗿𝗶𝗻𝗴 𝗶𝗻𝘁𝗼 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁
01:45 You Need a Flight Plan
07:10 Handling Financial Turbulence
12:15 You Need Your “Air Traffic Control”
Estate Planning Mistakes
16:25 Needing a Plan to Live vs. a Plan to Leave
20:40 Updating Beneficiary information
23:10 Money Makes People Funny
25:50 The landmines of Transferring Property
28:10 Tax issues
Social Security Truths & Myths
31:55 The Perfect Time to Take Social Security
36:10 Getting Social Security Before it Goes Broke
37:50 Balancing Social Security & Your Other Assets
Listener Questions 
43:05 Taking RMD’s from IRAs & 401Ks
47:05 Are annuities safe?

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

For more information, visit: www.mosleywealthmanagement.com

It’s the giving season, but are you giving the right way for your retirement?
In this episode, we discuss charitable giving through a retirement lens and reflect on the key financial events of the year that continue to shape retirement planning. From smart ways to give, to inflation, government uncertainty, and the real questions people ask about retiring, this is a practical and thoughtful year-end reality check for retirees and those nearing retirement.

Chapters
00:00 Intro
The Giving Season
01:30 Why Give?
05:30 How to Give
10:20 What to Give
11:50 Who to Give
Year In Review – Financial Impact on Retirement
14:35 Tariffs
16:00 Inflation
19:10 The Government Shutdown
22:25 The One Big Beautiful Bill
The Strange Things People Ask (are they so strange?)
31:40 How often do people ask if they can retire NOW?
35:55 How often do people ask for direction & don’t implement?
38:00 How often does a person cry?
39:45 How often do people come into large amounts of money?
Listener Questions
43:40 If I have enough money and saved a lot, do I really need an advisor?
47:30 How do I convince my spouse to be riskier in investing?

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.




For more information, visit: www.mosleywealthmanagement.com

What does the first Christmas in retirement really feel like?

In this episode, we talk about the emotional shift retirees experience during the holidays, how to create new traditions, and why time and purpose can be one of your biggest assets. Speaking of assets, we also explore three of the biggest financial assets many retirees have as well as some of the common mistakes you’ll want to avoid in retirement. It’s a thoughtful, practical conversation for anyone approaching or living in retirement.

Chapters
00:00 Intro
Retirees First Christmas**
01:55 The emotional impact of being retired
07:10 Establishing new traditions
09:45 Using the time to give back to your community
What Your Coffee Choice Could Say about Your Retirement Style** 
14:36 Plain Black Coffee
16:40 Cream & Sugar
18:40 Specialty Coffee Drinks
21:20 The Unique Extra Specialty Coffee
23:30 Maximizing caffeine intake
27:35 Coming Up
Retirees Biggest Assets**
28:50 The 401K
34:10 Your House
36:10 Social Security
40:00 Ease into Retirement & Advisors
Listener Questions
44:34 Company mergers and 401K changes
47:00 Convincing spouse to take Social Security now

**“This individual is a client of Mosley Wealth Management and is not being compensated for sharing their opinion and experience with our firm. These comments may not be representative of any other person’s experience with the firm.”

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but...

Are there red flags you’re missing with your financial advisor?

This episode uncovers common advisor warning signs, hidden retirement blind spots, and the mental biases that quietly shape financial decisions, plus what really matters (and what doesn’t) as you plan for retirement

Chapters
00:00 Intro
Advisor Relationship Situations - Naughty or Nice
01:48 Client Advisor relationship
05:35 Advisor Minimums
08:50 Taking Trades Over the Phone
12:00 Providing Testimonials
Financial Mental Blocks
16:30 Ikea Effect
19:00 Extreme Optimism
20:55 Extreme Pessimist
24:30 Status Quo
Specific Retirement Items – Does it Matter?
30:30 Elections
34:00 Social Security
37:00 Stock Market
Listener Questions
40:50 Spousal Benefits in Divorce
45:30 Business Owners Retirement Saving Tips

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

For more information, visit: www.mosleywealthmanagement.com

A clear and candid look at how media bias can shape your financial decisions, the overlooked blessings that strengthen your retirement mindset, and the biggest self-sabotage traps to avoid. A powerful retirement reality check, and a timely reminder of what really matters.

Chapters
00:00 Intro
Media Bias on Retirement
03:45 Positivity doesn’t sell. Fear does.
07:45 Medicare Commercials
09:10 Ramsay’s Advice
11:30 Annuities
Attitude of Gratitude
16:35 Having Health & Paycheck or Income
20:50 Learning from Failures
Areas Where You Can Sabotage Yourself 
24:30 The Market
28:20 Social Security
30:10 Long Term Care
32:00 Relying on Work or Working Longer
33:50 Not Creating a Budget
Listener Emails
37:45 I have a Pension. Should I do a Buyout or Monthly Payment?
41:40 How Can I Give with a Bigger Impact?
44:50 What Should I do with the Gold I Purchased a While Ago?

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

For more information, visit: www.mosleywealthmanagement.com

Some of the best retirement lessons come from unexpected places, even in stories like The Wizard of Oz. In this episode, we reveal those lessons, plus how clearing out the “financial trash” and spotting overlooked opportunities can shed new light on your retirement. This episode is packed with practical tips, surprising insights, and silver linings you won’t want to miss!

Chapters
00:00 Intro
The Wizard of Oz & Financial Advice
00:00 The yellow brick road
05:30 There’s no place like home
09:15 If I only had a brain
11:20 Good witch or bad witch
Taking Out Financial Trash
16:00 Debt
19:45 Risk
22:00 Fees
24:04 Lazy money
25:25 Rid yourself of the wrong advisors
Silver Linings in Retirement
28:40 Downsizing & Retiring early
33:35 Life Insurance
35:55 Buy outs/Pensions
Listener Emails
40:00 Gifting family members?
44:45 Estate Planning & Managing Relationships?

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.



For more information, visit: www.mosleywealthmanagement.com

Tom shares the most common pitfalls people make on their way into retirement, the constants everyone must plan for, and the surprising ways retirement planning mirrors parenting. Plus, real listener questions in this week’s Mailbag. A practical, eye-opening episode for anyone planning their financial future.

Chapters
00:00 Intro
Don’t Make These Money Mistakes
02:20 Contributing vs. Investing
06:50 Company Match
09:35 Social Security
11:55 Long term care
Financial Planning & Raising Kids
15:30 Discipline
22:00 Being well balanced
24:00 Patience
25:45 “Because I Said So”
Constants in Retirement
29:25 Inflation
34:00 Market Volatility
36:05 Health Care
Listener Questions
39:25 I’m 55: Should I Stay or Go?
46:00 Should I get condos in each place where my kids live?

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.



For more information, visit: www.mosleywealthmanagement.com

Retirement can feel like flying into the unknown, but with the right flight plan, guidance, and strategy, you can handle the turbulence and land smoothly.
In this episode, we cover planning your retirement, navigating market ups and downs, avoiding estate planning mistakes, and debunking Social Security myths. Real listener questions answered in our mailbag segment.

Chapters
00:00 Intro
Soaring into Retirement
01:40 You Need a Flight Plan
07:05 Handling Financial Turbulence
12:00 You Need Your “Air Traffic Control”
Common Estate Planning Mistakes
16:20 Needing a Plan to Live vs. a Plan to Leave
20:35 Updating Beneficiary information
22:55 Money Makes People Funny
25:45 The landmines of Transferring Property
27:50 Tax issues
Social Security Truths & Myths
31:10 The Perfect Time to Take Social Security
35:35 Getting Social Security Before it Goes Broke
37:00 Balancing Social Security & Your Other Assets
Listener Questions 
41:20 Taking RMD’s from IRAs & 401Ks
45:10 Are annuities safe?

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.



For more information, visit: www.mosleywealthmanagement.com

Is your retirement plan financially fit? Tom shares smart strategies to strengthen your plan, avoid costly mistakes, and protect your future. From key financial moves to listener questions on early retirement, inheritance, and next chapters, this episode is packed with actionable insights for anyone ready to take their retirement seriously.

Chapters
00:00 Intro
Getting in Financial Shape
02:50 Getting into Financial shape requires taking action
05:00 Financial Shape requires having an accountability partner
08:45 What matters more than degrees & certifications
12:45 Getting your finances in shape is a process
How to Avoid Messing Up Your Retirement
16:00 Understand Accumulation vs. preservation
22:50 Don’t jump into things you don’t understand
Understand the Variables in Retirement
30:30 Income
33:50 Taxes
36:25 Social Security
37:50 Your Risk Factor
Listener Emails 
41:35 We’re in Mid-50s, what to consider if we want to retire early?
46:00 Should I give my kids their inheritance early?
49:30 Is it worth going back to school as an empty nester? 

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs

 #RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy    


DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.


For more information, visit: www.mosleywealthmanagement.com

Your everyday habits tell a story, and they may be shaping your retirement more than you think.
In this episode, we uncover the hidden money lessons found in daily decisions and timeless stories, and how they can guide you toward a stronger, more intentional retirement. Smart retirement planning isn’t just math, it’s behavior, mindset, and wisdom.

Chapters
00:00 Intro
What Your Costume Choice May Say about Your Financial Choices
03:00 Scary
06:37 Cute
08:45 Lazy
11:00 Classic
Aesop’s Fables & Finances
15:00 The Miser & His Gold
19:45 The Tortoise & the Hare
25:15 The Dog & His Shadow
Navigating Tough Situations
29:25 Loss of a loved one
35:00 Long Term Health Care Event
37:00 Not Ready for Retirement
Listener Questions 
41:12 Helping kids pay off college vs. keeping $ for retirement
44:45 How to overcome fear of retiring in a potential down market


Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.



For more information, visit: www.mosleywealthmanagement.com

Are you Grumpy, Happy, or Dopey with your money? This week, we explore how your personality type impacts your retirement plan, from fun Seven Dwarfs analogies to real-world financial insights. Plus, listener Q&A on AirBnBs, dividing money between kids, and paying off debt vs. saving more.

Chapters
00:00 Intro
The Seven Dwarfs of Retirement
02:38 Grumpy
04:39 Bashful on finances
06:40 Dopey
07:30 Happy
08:30 Sleepy
09:28 Sneezy
10:00 Doc
The Retirement Review Process
13:00 The E.A.S.E. Process
15:04 Personality types & the review process
15:50 Data Centric
18:00 Family Centric
20:26 On-the-Go/Too Busy
22:06 Need Reminders
23:24 High Anxiety
Diagnosing some “Financial Diseases”
25:55 Acute Portfolio Riskopathy
29:55 Old Fogey Disease
31:50 Inflationitis
33:25 Nursing Hometosis
E-Mail Listener Questions
36:05 Determining if you make a vacation home an AirBnB
42:15 What’s the best way to divide money between kids?
45:05 Saving in 401K or pay off debt?

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
                                                                                                                                        #RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy


DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.



For more information, visit: www.mosleywealthmanagement.com

Taylor Swift meets retirement planning! From “Blank Space” to “Shake It Off,” we uncover hidden financial lessons in her lyrics, spotlight the worst investor habits, and tackle listener questions about life and money in retirement.

Chapters
00:00 Intro
Retirement Tips Hidden in Taylor Swift Songs
02:15 Blank Spaces (beneficiaries)
05:05 Shake It Off (market)
07:55 Never Getting Back Together (Leaving work)
10:40 It’s Me, I’m the Problem (Get a financial plan)
The Worst Kinds of Investors
14:30 Try to get rich quick
19:45 Being a part of the “herd mentality”
21:35 Focusing on things we can’t control
Variables in Retirement
28:00 How much money is needed for retirement
31:45 Taxes
34:00 When to turn on Social Security
35:45 Risk factors in retirement
E-Mail Listener Questions
37:45 How to manage retirement when your spouse passes away
44:08 Is there a downside to delay retirement?
46:45 What to do when you’re laid off near retirement

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs

RetirementPlanning #RetirementRisks #RetirementBlueprint #TaylorSwift #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.



For more information, visit: www.mosleywealthmanagement.com

Is your retirement plan in shape—or are you just winging it? In this episode, Tom Mosley shares why financial “fitness” matters more than ever as you move from building wealth to preserving it. Learn how to take a true retirement inventory, avoid costly Medicare mistakes, and why writing down your goals can make a big difference. Plus, Tom answers listener questions on early retirement, gifting to adult children, and finding purpose in your next chapter.
Chapters
00:00 Intro
05:00 DIY Retirement isn’t as easy in preservation stage vs. accumulation
08:30 What matters more than degrees and certifications
12:30 Getting your finances in shape takes time
15:30 How being in retirement is different from approaching retirement
21:50 Medicare at 65 – Be careful who you speak with
28:00 Get help now so you’re set by end of the year
29:40 The power of writing down your goals 
35:25 How to take a retirement inventory
38:30 Email Questions: Early Retirement considerations 
43:30 Email Questions: Gifting young adults now vs. later
47:00 Email Questions: Empty Nester considering going back to school


Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs

#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.

For more information, visit: www.mosleywealthmanagement.com

If you’re a natural saver, you’ve done the hard work, but the habits that helped you build wealth might not help you enjoy it in retirement.

In this episode, Tom breaks down how to balance safety with smart investing, manage taxes, and bust common financial myths that trip up even the best savers.

🎙️ Learn how to make your money work for you and how to move from saving to living in retirement.

Chapters
00:00 Intro
02:33 Tips for Natural Savers: Having too much cash? 
07:00 Understand your risk tolerance, capacity, & portfolio risk
09:15 Dealing with taxes 
11:30 Make sure to enjoy your money
14:50 Fortunes turned into financial wisdom
27:43 Financial “Myth Busters” 
39:50 Listener questions

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.



For more information, visit: www.mosleywealthmanagement.com

This week we cover smart moves for retirement, from deciding whether downsizing makes sense, to what the game of golf can teach you about planning your future. We’ll also share what to expect in a first meeting with Mosley Wealth Management and answer listener questions on insurance, moving, and handling unstable income.

Chapters
00:00 Intro
02:30 How to Decide if You Should Downsize in Retirement 
10:25 What golf can teach you about retirement
16:30 Playing to the middle of the green 
18:30 Having different clubs is like having a diversified portfolio.
21:30 Leaning on a caddy/coach is like working with a financial advisor.
24:55 What a first meeting looks like at our firm
39:30 Should I buy a new insurance policy with the cash value of my old one?
44:15 Considering moving again, but next to friends. Does that make financial sense?
47:05 Making a lot of money in an unstable job. What should I do?

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs

#RetirementPlanning #RetirementRisks #RetirementBlueprint #GolfandRetirement #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #Downsizing #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.






For more information, visit: www.mosleywealthmanagement.com

The last 10 years before retirement can make or break your future. In this episode, we cover the essentials - money, healthcare, debt, risk, taxes, and fees, plus listener questions on family expenses, flipping houses, and 401(k) rollover options. Don’t miss these practical insights to help you retire smarter and more secure.

Chapters
03:50 Knowing how much money you’’ll really have to work with
08:30 Understanding your healthcare & hidden costs
10:15 Making the numbers work together
13:25 Tackline debt before retirement
18:25 Fees that can eat away at your next egg
19:59 Assessing your Risk level
21:35 How Taxes impact your retirement income
25:49 When it might be time to changes advisors
37:30 Listener Q&A - Managing big family expenses
41:15 Listener Q&A - Flipping houses as an investment
45:05 Listener Q&A - 401K options when leaving a job

Whether you’re planning to retire in 5 years or 15, these insights will help you create a stronger financial foundation and design the retirement you want.

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.


For more information, visit: www.mosleywealthmanagement.com

The first year of retirement is full of excitement—and challenges. In this episode, Tom Mosley shares how what to really expect, how to set up a smart withdrawal strategy, find purpose after leaving work, and the pros and cons of part time work. Learn how the right plan can help you navigate it all with clarity and confidence.

Chapters
00:00 Intro
01:15 What to expect the first year of retirement
04:50 Determining a withdrawal strategy
08:50 Finding purpose in retirement
13:45 Searching for security
20:30 Working part-time
26:18 Real or Unreal: Reading of the will?
28:40 Real or Unreal: Discovering an old account?
31:30 Real or Unreal: Inheriting money?
37:10 What do you do when you have a windfall after selling a business?
44:15 What are the taxes from inheriting a brokerage account from a relative
47:45 How a retirement plan can help you navigate all the issues you’ll encounter 

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.



For more information, visit: www.mosleywealthmanagement.com

Retirement is like a road trip - you need a destination, a route, and the right guide. In this episode, Tom Mosley reveals how to avoid the biggest detours and excuses that keep people from being financially prepared.

Chapters
00:00 Intro
03:19 You need to decide where you’re going
05:58 What route are you going to take to get there?
09:40 Who/what are you going to listen to?
11:55 The benefits of cruise control
13:40 How to go to a live event 
15:50 Financial famous last words
25:58 Blaming financial troubles on Gray Divorce
30:35 Blaming financial issues on a broker
39:00 Blaming your kids & parents
43:30 Blaming Washington D.C.
48:00 Blaming not planning for health care

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs

#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.






For more information, visit: www.mosleywealthmanagement.com

In this episode, Tom draws on 30 years of real-world financial experience to put Ramit Sethi’s I Will Teach You to Be Rich to the test. From defining what a “rich life” really looks like to unpacking the truth about credit cards, Tom separates financial fact from fiction.   You’ll also hear:

• The must-ask questions every business owner should consider before retirement
• A breakdown of today’s financial “fake news” and what really matters
• Practical answers to listener questions on merging money after remarriage and giving generously in retirement

Smart insights, straight talk, and strategies you can use—this episode is packed with real answers for real financial decisions.    

Chapters
00:00 Intro
03:25 Designing your rich life?
08:27 Spend Less – Without Making a Detailed Budget?
10:28 Love/hate with Credit Cards
13:55 Business ownership & Retirement - Questions you need to ask
26:14 Fake News! The headlines vs. Reality
38:00 Listener Question – Just remarried, thoughts on combining finances?
45:55 Listener Questions – Giving away money in retirement

Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/  

===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1 ===================================================
   ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement - Instagram: https://www.instagram.com/easeintoretirement/ - LinkedIn: https://www.linkedin.com/company/mosley-wealth-management

Learn the key components you need to include in your retirement plan: Check this video out: https://youtu.be/QkJzvbZ_gDs
                                                                                                                                        #RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security #Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #FinancialFakeNews #HowtoPrepareforRetirement #RetirementTips #RetirementStrategy    
                                                                                                                                              DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax...

What do The Beatles and retirement planning have in common? A lot more than you think! In today’s episode retirement specialist Tom Mosley and host Marc Killian spin timeless song titles into powerful lessons for your financial future.

From All You Need Is Love (why support matters when fear takes over), to Let It Be (handling volatility without making rash moves), to Yesterday (preparing for life’s unexpected curveballs)—the Fab Four’s music sets the stage for insights every retiree needs to hear.

But that’s not all. Tom also exposes the hidden flaws of 401(k)s—like high fees & limited investment choices, and tackle retirement moves that are much harder than they look: Social Security timing, portfolio diversification, Roth conversions, and more.

If you love The Beatles, or just want a fresh take on how to secure your retirement, this episode hits all the right notes

Chapters
00:00 Get to know us!
03:40 All You Need is Love
07:40 Let it Be
12:24 Get Back
18:50 Yesterday
24:24 401K Imperfections 
34:34 Retirement moves that are harder than they look
46:30 What’s a Retirement Blueprint?
#Beatles #RetirementPlanning #NearRetirement #401K #Diversification
Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ 
===================================================
If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1
===================================================
 ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ 
- Facebook: https://www.facebook.com/mosleyeaseintoretirement
- Instagram: https://www.instagram.com/easeintoretirement/
- LinkedIn: https://www.linkedin.com/company/mosley-wealth-management
Learn the key components you need to include in your retirement plan:
Check this video out: https://youtu.be/QkJzvbZ_gDs
#RetirementPlanning #RetirementRisks #FinancialSecurity #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security
#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement
#HowtoPrepareforRetirement #RetirementTips #RetirementStrategy

DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.






For more information, visit: www.mosleywealthmanagement.com