Countdown to Retirement with Gregg MacInnis

Unleash the Power of Indexing

There’s more to the stock market than staying invested or moving to cash. You can track the S&P 500 without buying individual stocks. In this episode of Countdown to Retirement, Gregg MacInnis introduces us to indexing—strategies that aim to capture market gains while helping protect against losses.

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Is There Another Way to Plan for Long-Term Care?

About 70% of Americans turning 65 will need some form of long-term care. But as traditional LTC insurance becomes harder to find, many are looking for alternatives. On this episode of Countdown to Retirement, Gregg MacInnis explains how hybrid life policies with LTC options can help eliminate that ‘use it or lose it’ dilemma.

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Ready to Play the ‘Retirement Prediction Board?’

Major League Baseball is entering the world of prediction markets—where everything hinges on assumptions and odds. Retirement planning can be just as risky. In this episode of Countdown to Retirement, Gregg MacInnis explains why betting on timing, inflation, markets, and taxes without a written plan can backfire.

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Watch Out for the ‘Myths’ of Retirement

For years, space aliens were dismissed as a myth—until recent evidence raised questions. But in retirement planning, plenty of myths still linger. On this episode of Countdown to Retirement, Gregg MacInnis clears up common misconceptions about Social Security, working longer, and spending—and explains why putting it all into a written plan matters.

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Too Much Income in Retirement Can Cost You

Taxes don’t stop in retirement. Income thresholds can trigger taxes on Social Security, higher Medicare premiums and lost deductions. On this episode of Countdown to Retirement, Gregg MacInnis explains how strategies like Roth conversions can help coordinate income and withdrawals—so there are no surprises down the road.

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Could ‘Dirty Sponges’ in Your Retirement Plan Be Setting You Up for a Future Tax Hit?

Filthy sponges spread bacteria in the kitchen because small problems get ignored. In retirement planning, “dirty sponges” are the overlooked details that quietly grow into bigger tax surprises later on. In this episode of Countdown to Retirement, Gregg MacInnis explains how proactive planning can identify and clean up thos...

We protect our homes from harmful odors and gases—but what about hidden fees in your retirement portfolio?  In this episode of Countdown to Retirement, Gregg MacInnis reveals how just a 1% fee can quietly drain thousands of dollars from your future—and how he can help spot the problem before the financial ‘pollution’ sets in.

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Do You Have the Right ‘Recipe’ for Retirement?

Some home cooks skip the recipe—with mixed results.  Retirement planning works much the same way. Without a written plan, you’re essentially winging it.  In this episode of Countdown to Retirement, Gregg MacInnis walks through the key ingredients of a solid retirement plan, from guaranteed income and tax strategies to risk management and creating a cle...

Is It Time to ‘Look Forward’ with Complete Tax Planning?

Tax season often feels like an exercise in looking backward—collecting documents and filing last year’s return.  But comprehensive tax planning is about what’s next.  In this episode of Countdown to Retirement, Gregg MacInnis shares forward‑thinking strategies designed to help maximize tax benefits in future years.

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Add a ‘Gimme’ Putt to Your Retirement Plan

Golfers commonly award ‘gimme’ putts to players whose ball comes within inches of the cup.  That can also be accomplished in your retirement plan with reliable income sources.  In this episode of Countdown to Retirement, Gregg MacInnis explains how they work - from annuities, pensions and Social Security to fixed income.

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So This is the Year You’ve Resolved to Get a Financial Advisor – Now What?

Thousands of Americans make New Year’s Resolutions.  One of the most popular is finally hiring a financial advisor.  In this episode of Countdown to Retirement, Gregg MacInnis reminds us that a ‘holistic’ advisor looks at more than accumulating income.  They also deal with market risk, tax and estate planning and ...

What It Means to Be a ‘Kingdom’ Financial Advisor

In past Countdown to Retirement shows, Gregg MacInnis mentioned that he’s a ‘Kingdom Advisor.’  In today’s episode, he explains what the faith-based organization, how it aligns with the teachings of the Bible when it comes to faith and how it integrates with saving for and spending in retirement.  Gregg even says being tax efficient isn&...

What Does Holistic Retirement Planning Mean?

If you’re looking for a financial advisor who can design a well-rounded retirement plan, then consider one who offers holistic planning.  In this episode of Countdown to Retirement, Gregg MacInnis explains more about his approach, which encompasses income, tax and estate planning, as well as investment management and healthcare and long-term care planning.

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What is the ‘Bucket Strategy’ in Retirement?

One of the biggest challenges in retirement is figuring out how to spend your hard-earned savings.  In this episode of Countdown to Retirement, Greg MacInnis explains what’s called the ‘Bucket Strategy.’  He uses it with his own clients so they can have a tailored combination of safe money, growth money and the ever-important ‘fun’ mone...

Time is Running Out to Book Your End-of-Year Financial Review

Have you made an appointment for an end-of-year check of your retirement finances?  Time is running out!  On this episode of Countdown to Retirement, Greg MacInnis talks about the five things he likes to focus on during a review, including a check of 401(k)/IRA contributions, harvesting stock losses, RMD calculations, Roth conversions and charitable giving.

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When Should You Start Estate Planning?

Studies have shown that most Americans don’t have a will nor have taken the steps to protect the money they intend to leave for heirs.  If you don’t make an estate plan yourself, the state in which you live may make it for you – and you may not like it.  On this episode of Countdown to Retirement, Gregg MacInnis explains the importance of estate planning and what to...

Turn Your Portfolio Into a ‘Juicy’ Retirement Paycheck

Income drives retirement.  When you’re no longer drawing a paycheck from work, you miss it.  In this episode of Countdown to Retirement, Gregg MacInnis explains how he can help you create your own personal pension to take care of basic needs and use other financial accounts to promote withdrawals that also allow you to have a ‘playcheck.’...

Do You Need a ‘Bigger Retirement Boat?’

The 50th anniversary of the movie ‘Jaws’ brings memories of one of its famous lines, “We’re going to need a bigger boat.”  The same can be true in retirement planning.  In this episode of Countdown to Retirement, Gregg MacInnis talks about the symptoms that can lead to leakage in your retirement boat and the lifelines that can help repair th...

How Can You ‘Weatherproof’ Your Retirement Plan?

Hurricane season reminds us that if you don’t take precautions until there are warnings, it could be too late.  This same can be true in retirement planning.  In this episode of Countdown to Retirement, Gregg MacInnis talks about ways to ‘weatherproof’ your savings, including safeguarding income sources, reviewing risk tolerance and addressing ...