Straight Talk on Retirement with JBL Financial

In this episode of Straight Talk on Retirement, the hosts walk through real-life retirement planning scenarios, including managing debt, adjusting retirement contributions, and balancing household cash flow. They discuss a case where a couple is weighing whether to use a lump sum from their IRA to pay off a loan or take advantage of a two-year interest-free financing offer. The team explores the benefits of preserving cash, maintai...

In this episode of Straight Talk on Retirement, Jeff and Erin Lapidus, along with their professional team, guide listeners through key retirement planning topics. They discuss managing income and healthcare before Medicare, the pros and cons of Roth IRA conversions, and ways to help manage taxes on retirement assets. Real-life scenarios, like Joan’s early retirement and healthcare transition, bring clarity to complex topics. The te...

In this episode of Straight Talk on Retirement, Jeff Lapidus, Erin Lapidus, and Robert Markham share practical guidance on retirement planning. They answer listener questions about Social Security, Medicare, and new tax credits for seniors, and explain how to plan for income and manage taxes. The team also covers strategies for handling retirement accounts, managing healthcare costs, and making informed choices around life insuranc...

In this episode of Straight Talk on Retirement, Erin and Jeff Lapidus, along with Robert Markham, walk listeners through important retirement planning topics. They address common concerns about Roth conversions, Social Security timing, and managing withdrawals with tax efficiency in mind. The team explains how to structure income, evaluate Medicare options, and plan for wealth transfer to heirs. They also clarify how advisory fees ...

In this episode of Straight Talk on Retirement, Erin and Jeff Lapidus, along with Robert Markham, walk listeners through essential retirement planning topics. They discuss how to manage required minimum distributions (RMDs), plan for tax efficiency with IRAs, and evaluate the potential benefits of Roth conversions. The team also covers budgeting for retirement, handling large expenses, and understanding Medicare prescription covera...

In this episode of Straight Talk on Retirement, Jeff and Erin Lapidus—along with Medicare and insurance coaches—answer listener questions about retirement assets, Medicare choices, and income planning. They explain how life events and financial decisions can impact Medicare premiums and Social Security benefits, and share strategies to help manage taxes and plan income effectively. The team highlights the value of a well-rounded ap...

In this friendly episode of "Straight Talk on Retirement," Erin and Jeff Lapidus, along with Robert Markham, dive into key topics around retirement planning. They chat about creating strategies that align with your financial goals, the ins and outs of Social Security elections, and thoughtful ways to gift money to loved ones. The team shares real client stories, answers listener questions, and emphasizes the importance of long-term...

In this episode of "Straight Talk on Retirement," Erin, Jeff, and Robert explore Medicare options, healthcare costs, and estate planning. They share real-life stories, like Joe and Sally’s retirement journey, and explain the differences between Medicare Advantage and supplement plans. The hosts also address the often-sensitive topic of fairness versus equality when passing on assets, encouraging open conversations and thoughtful pl...

In this episode of "Straight Talk on Retirement," Jeff Lapidus, a financial planner with over 45 years of experience, walks listeners through key retirement planning steps. He explains how to assess current spending, identify potential income sources such as Social Security and pensions, and build a clear financial plan. Jeff also discusses how life insurance, 529 plans, and trusts can play a role in managing assets and planning fo...

In this episode of "Straight Talk on Retirement," Erin and Jeff Lapidus, along with Robert Markham, address key concerns for those nearing or in retirement. They guide listeners through strategies for preserving assets, planning for income, and choosing Medicare coverage that fits their needs. Real-life examples illustrate approaches to Social Security, long-term care, and managing investment portfolios as part of a thoughtful fina...

In this episode of "Straight Talk on Retirement," the Retirement Coaches cover essential retirement planning topics in a clear, approachable way. They talk about building a personalized financial plan, how tools like 529 plans and Roth IRAs can fit into your strategy, and what to know about Medicare options and potential costs. Listener questions focus on required minimum distributions and other common concerns. The hosts also high...

In this episode of "Straight Talk on Retirement," Erin and Jeff Lapidus, along with Rob Markham, offer practical, reassuring guidance for those nearing retirement. They discuss recent changes in tax laws, estate planning, and the importance of keeping beneficiary designations current. The hosts also cover Medicare enrollment and prescription drug coverage, while highlighting the value of proactive planning, thoughtful asset managem...

In this episode of "Straight Talk on Retirement," Jeff Lapidus, Erin Lapidus, and Rob Markham walk listeners through key retirement planning topics. They discuss managing cash flow, making the most of Social Security, and understanding Medicare Advantage plans, while simplifying complex tools like annuities and life insurance. The hosts highlight the value of tailored strategies, up-to-date legal documents, and awareness of tax imp...

In this episode, the JBL Financial team—Erin and Jeff Lapidus, and Robert Markham—offer clear, practical guidance for those nearing retirement. They address timely listener questions about inheriting IRAs, managing required minimum distributions, and making the most of catch-up contributions. The hosts break down Medicare and health insurance options, including the differences between Traditional Medicare and Medicare Advantage, an...

In this episode of "Straight Talk on Retirement," Jeff and Erin Lapidus, along with Robert Markham, explore key retirement planning topics. They cover market volatility, managing risk, and the importance of having a written retirement plan. The team also discusses Medicare options, debunks common myths, and shares strategies for planning income and healthcare costs. Beyond the numbers, they talk about emotional readiness for retire...

In this episode of "Straight Talk on Retirement," the hosts share clear, practical guidance on navigating retirement in today’s uncertain market. They discuss the value of professional support when purchasing property or planning for elder care, and how it can help reduce the risk of costly missteps. The team also explores strategies for managing savings, building emergency funds, and preparing for future expenses like home improve...

In this episode of "Straight Talk on Retirement," host Jeff Lapidus—joined by certified financial planner Erin Lapidus and wealth manager Robert Markham—discusses key retirement planning topics, including asset preservation, income planning, healthcare, and estate strategies. Frank Ellis, who specializes in Medicare planning, shares updates on upcoming changes to Medicare and prescription drug coverage. The episode offers practical...

In this episode of "Straight Talk on Retirement," Erin Lapidus is joined by Jeff Lapidus and Rob Markham to explore strategies for managing 401(k) plans and understanding required minimum distributions (RMDs). They highlight the potential advantages of rolling over 401(k)s into self-directed IRAs, and why it’s important to understand RMDs to avoid penalties. The episode also covers strategic asset gifting and the role of Medicare p...

In this episode of "Straight Talk on Retirement," Erin and Jeff Lapidus, along with Robert Markham, explore key strategies for retirement planning. They emphasize the value of a structured financial plan focused on preserving assets, planning for income, and addressing healthcare needs. The hosts discuss Roth IRA conversions, staying invested through market shifts, and prioritizing high-interest debt. They also break down considera...