Retirement for Real
Retirement for Real is an investment podcast helping retirees make sensible financial decisions in retirement. Lena Armuth, a former first-grade teacher and current fee-only financial advisor, is your host. Join her to learn all about investing for and in retirement. Nothing fancy. No overly complicated or complex solutions. Just the fundamentals explained in a way that is simple to comprehend.
Episodes
Part D Might Be the MOST Important Part of Medicare
To Toni King, the CORNERSTONE of Medicare planning is discussing Medicare Part D. In this Medicare Moments BONUS episode, Toni discusses why it’s so important to search for what is the most cost-effective Part D plan that covers all of your prescriptions. Did you know that if a prescription is not covered, whether generic or brand-name, then you will have to pay 100% out of poc...
Thanks for listening to the Senior Resource Podcast Network! This bonus episode is from Answers for Elders. If you like what you hear, visit the links to follow the podcast on your favorite listening platform.
Suzanne is joined by Dr. Paul Winner, the Senior Director of the Premiere Research Institute and Attending Neurologist at Palm Beach Neurology in West Palm Beach, Florida. Dr. Winner addresses various lifestyle changes to hel...
Don't know where to begin with your budgeting journey? Lena teaches you how to create a budget that you can actually stick to in this episode.
Topics covered:
- Reluctance to budget
- Overcome the challenges of budgeting
- Budgeting strategies that work: 50/20/30 & Zero-based budget
- Other benchmarks to measure success
Lena discusses the investment risk of age-related cognitive decline in this episode of Retirement for Real. Discover how investing simply can make a significant difference in your retirement years.
Topics covered:
- Benefits of a simple investment portfolio
- Why older investors should assign a trusted contact person
Check out all of our podcast episodes and more on our YouTube channel!
...In this episode of Retirement for Real, Lena reveals which college savings tool is best to maximize college savings for your family.
Your Questions Answered:
- How do 529 college savings plans work?
- Prepaid tuition plan or 529 savings plan?
- Which 529 savings plan is the best?
- Which 529 savings plan is the worst?
Looking for a trusted financial advisor to manage your money? In this podcast episode, Lena offers a guide to choosing the right financial advisor for you.
Topics covered:
- Different types of financial advisors:
- National, Regional and Digital advisors
- Fee-only vs. fee-based financial advisors
- Low fees matter to 99% of investors
While investing can be simple, it is certainly not easy. Know the four common investing mistakes and the recommendations to avoid them.
Topics covered:
- Don't make investing complicated
- Ignore the financial media
- Have an investment plan that works
- Pay attention to investment fees
Use this calculator to learn how much of your investment return y...
Do you want to get high returns for your investment? In this episode of Retirement for Real, Lena offers a list of secrets to higher returns that you can start today.
Topics covered:
- Lower fees mean higher expected returns
- Compounding costs negatively impact your portfolio growth
- High cost mutual funds vs. low cost mutual funds
- Common hidden fees <...
Preparing for retirement? Learn the ways you can prepare for a longer retirement in this episode of Retirement for Real.
Topics covered:
- Facts of life expectancy
- Working longer to prepare for 30+ years in retirement
- Health and social benefits of working longer
- Benefits of delaying Social Security
- Deferred annuities
Understand Social Security and how to optimize and maximize its benefits for your retirement in this podcast episode.
Topics covered:
- How Social Security is funded and structured
- Electing Social Security benefits early vs. late
- Your Spousal Benefit & Your Survivor Benefit
- Considerations for when to collect
Use this calculator to compute yo...
In this episode of Retirement for Real, Lena teaches you the basic principles of investing for retirement and how to understand your retirement portfolio.
Topics covered:
- Factors you can control in investing
- How asset allocation impacts your portfolio
- Diversify to generate higher expected returns
- Fees: You get what you DON'T pay for
- Example retirement portfolios
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