Straight Talk on Retirement with JBL Financial

In this episode of "Straight Talk on Retirement," hosts Erin Lapidus, Jeff Lapidus, and Robert Markham provide insights into retirement planning, focusing on the rollover process from employer-sponsored plans to IRAs. They explain the importance of keeping pre-tax and after-tax contributions separate to avoid unnecessary taxation. The team discusses options for managing rolled-over funds, such as transferring to a Roth IRA or takin...

In this episode of "Straight Talk on Retirement," Erin Lapidus, President of JBL Financial Services, alongside her father Jeff Lapidus and husband Robert Markham, delve into key retirement planning strategies. They discuss asset management, income streams, and healthcare coverage, emphasizing the importance of a comprehensive financial plan. The episode features a caller named Rick, who seeks advice on Medicare enrollment, and a ca...

In this episode of "Straight Talk on Retirement," Erin and Jeff Lapidus, along with life insurance specialist Robert Markham, provide actionable advice for those nearing or in retirement. They focus on managing Required Minimum Distributions (RMDs), emphasizing the importance of understanding tax implications and aligning withdrawals with financial goals. The discussion also covers strategies for charitable contributions to reduce ...

In this episode of "Straight Talk on Retirement," Erin Lapidus, Jeff Lapidus, and Robert Markham delve into essential retirement planning topics, focusing on required minimum distributions (RMDs) and investment strategies. Erin emphasizes the importance of understanding RMDs to avoid penalties, while Jeff explains the rules and strategies for managing these mandatory withdrawals. Robert highlights the need for financial safety nets...

In this episode of "Straight Talk on Retirement," hosts Erin Lapidus, Jeff Lapidus, and Robert Markham provide advice on essential retirement planning topics. They discuss required minimum distributions (RMDs), emphasizing their importance for those nearing age 73. The episode also features a caller, Brian, who seeks guidance on managing an inheritance of retirement accounts. The hosts explain the tax implications and distribution ...

In this episode of "Straight Talk on Retirement," hosts Erin Lapidus, Jeff Lapidus, and Robert Markham provide valuable insights into retirement planning, focusing on creating a comprehensive financial game plan. They discuss strategies for preserving and growing assets, generating income streams, and addressing healthcare needs, including Medicare enrollment. The episode also highlights the importance of educating younger generati...

In this episode of "Straight Talk on Retirement," hosts Jeff and Erin Lapidus, along with Robert Marcum, delve into essential retirement planning topics. They discuss strategies for managing required minimum distributions (RMDs) from IRAs, emphasizing the importance of understanding tax implications and planning withdrawals effectively. The hosts also address listener questions about consolidating retirement accounts, navigating Me...

In this episode of "Straight Talk on Retirement," Jeff and Erin Lapidus delve into the complexities of Medicare, focusing on Medicare Advantage plans and prescription drug coverage. They highlight recent changes, such as the Anthem and Mercy agreement, and stress the importance of understanding enrollment periods and drug formularies. Listener questions are addressed, including concerns about tier five medications and plan benefits...

In this episode of "Straight Talk on Retirement," hosts Erin Lapidus, Jeff Lapidus, and Robert Marcum delve into essential retirement planning topics. They discuss the importance of creating a reliable income stream, managing healthcare costs, and planning for long-term care. The hosts emphasize the need for a comprehensive game plan that includes liquidity for emergencies and planned expenses. They also address the complexities of...

In this episode of "Straight Talk on Retirement," hosts Erin Lapidus, Jeff Lapidus, and Robert Markham delve into essential retirement planning strategies for those nearing retirement. They emphasize the importance of a comprehensive financial game plan, focusing on asset preservation, reliable income generation, and healthcare considerations, particularly Medicare enrollment. 

The hosts discuss a case study of a couple, Tom and To...

In this episode of "Straight Talk on Retirement," hosts Erin and Jeff Lapidus, along with Robert Markham, delve into essential retirement planning topics. They emphasize the importance of creating a comprehensive financial game plan, focusing on preserving and growing assets, establishing income streams, and managing healthcare costs, including Medicare options. The hosts also discuss the benefits of rebalancing portfolios, tax str...

In this episode of "Straight Talk on Retirement," the hosts, including Jeff and Erin Lapidus, along with Robert Markham, delve into crucial aspects of retirement planning. They discuss the benefits and cost structures of Medicare Advantage plans, emphasizing the importance of understanding premiums and out-of-pocket expenses. The conversation also covers strategies for managing retirement assets, such as maintaining liquidity and c...

In this episode of "Straight Talk on Retirement," hosts Aaron Lapidus, Jeff Lapidus, and Rob Marcum provide essential financial strategies for those nearing retirement. They emphasize the importance of having a comprehensive written financial game plan to manage assets, secure income, and address healthcare needs. Key topics include:

• Financial Game Plan: Crafting a plan to preserve and grow retirement assets, ensure reliable i...

In this episode of "Straight Talk on Retirement," hosts Erin Lapidus, Jeff Lapidus, and Robert Markham delve into the complexities of retirement planning, emphasizing the importance of having a financial coach. They discuss the interconnectedness of financial decisions, such as investments, Social Security, and healthcare, and how changes in tax laws can impact retirement plans. The hosts highlight the value of personalized assessm...

In this episode of "Straight Talk on Retirement," the hosts, Jeff and Erin Lapidus, along with Robert Markham, delve into essential retirement planning topics. They emphasize the importance of creating a comprehensive financial game plan that includes preserving assets, generating reliable income, and addressing healthcare needs. A caller's question about budgeting for inflation is addressed, with the hosts explaining their focus o...

In this episode of "Straight Talk on Retirement," the hosts delve into essential retirement planning topics, focusing on Medicare, Social Security, and financial strategies. Jeff Lapidus emphasizes the importance of personalized retirement plans, while Erin Lapidus introduces the concept of "retirement rockstars," highlighting the need for predictable income streams. Rob Markham discusses Medicare options, including the transition ...

In this episode of "Straight Talk on Retirement," hosts Erin Lapidus and Robert Markham focus on crucial financial and retirement planning strategies, particularly Medicare planning as the open enrollment period approaches. They emphasize the importance of having an emergency fund, maximizing 401(k) contributions, and understanding estate planning documents. Erin and Robert discuss the nuances of Medicare Advantage plans, highlight...

In this episode of "Straight Talk on Retirement," the hosts and financial experts delve into essential retirement planning strategies. Erin Lapidus, President of JBL Financial Services, emphasizes the importance of a comprehensive game plan to preserve and grow assets, create reliable income streams, and address healthcare needs. Robert Marcum, a specialist in life insurance and fixed annuities, discusses estate planning and Medica...

In this episode of "Straight Talk on Retirement," hosts Jeff and Erin Lapidus, along with Robert Markham, dive into essential retirement planning strategies. They focus on managing assets, creating reliable income streams, and addressing healthcare needs, particularly Medicare options. The hosts preview their October newsletter, which includes articles on the decline of family farms, Medicare choices, the importance of wills, and t...