My Retirement Clarity with Lee Perkins
Financial and retirement planning with financial planner Lee Perkins, president of JL Perkins Wealth Management in the Macon, Georgia area. Get ready for a good dose of inspiration, simplicity, implementation and, of course, clarity on each and every show. Lee will explore the ways you can successfully prepare for retirement and how to grow and preserve your wealth.
Episodes
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Turning 62 might not feel like a milestone birthday… until you realize the Social Security clock just started ticking. Filing now could put money in your pocket sooner or cost you tens of thousands over a lifetime. How do you pick the right strategy? Let’s break down how to think through one of the biggest reti...
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Nothing will mess with your financial confidence faster than comparing your savings to your brother, your coworkers, or that guy on YouTube who claims he retired at 35. Your retirement number isn’t a competition. Today, Lee talks about what really matters when you’re trying to figure out if you’re behind on you...
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
We've all heard the saying there is no such thing as a bad question, but in retirement planning, some questions are definitely better than others. In this episode, Lee explains the five questions smart investors ask and explains how reframing each one leads to better decisions, stronger strategies, and more con...
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Considering marriage in your 50s or 60s? While it's a time for new beginnings and happiness, it can also introduce unique financial challenges. In this episode, Lee shares expert insights on navigating retirement planning when two lives- and two sets of finances- come together. Discover how honest conversations ...
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
The mail’s here! Today, Lee answers listener questions about life, money, and retirement planning. Each scenario highlights the unique challenges people face as they approach or live through retirement, and the importance of making confident, well-coordinated decisions along the way. Most times, the best advice ...
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Think having two financial advisors gives you an edge? Think again. It might sound smart, but splitting your investments often leads to mixed messages, conflicting strategies, and costly mistakes. Today, Lee exposes the hidden dangers of a “too many cooks in the kitchen” approach to money, and why one clear, tru...
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
The mailbag is open! In this episode, Lee tackles real-world listener questions that hit on some of the most common dilemmas retirees face. First up: should you buy that RV with debt, or withdraw from your IRA and take the tax hit? Then, how do you know if a life insurance “investment” pitch is a smart opportuni...
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
Well, you’re retired. Now what? Some people follow the “first year rule,” believing the majority of your best retirement months will happen in those first twelve. But if you don’t approach this season with intentionality, you could set the wrong tone emotionally and financially. In this episode, Lee shares the f...
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
If your parents or grandparents passed away young, it’s natural to wonder: Should I grab Social Security as early as possible? It sounds simple, but the truth is far more nuanced. In this episode, Lee unpacks why longevity isn’t just about family history. Advances in medicine, modern lifestyles, and the kind of ...
Meet with us: http://talkwithjlp.com
📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com
You’ve probably said it before. ‘I ran the numbers, and I should be fine.’ But what if the math you're relying on isn’t telling the whole story? Today, we’re unpacking some of the most common examples of fuzzy retirement math- rules of thumb and assumptions that sound good on paper but can derail your plan if...
Today, Lee dives into an important topic for federal employees: the Thrift Savings Plan (TSP). While the TSP is a powerful accumulation tool, it may lack the flexibility needed in retirement. Lee explains why reaching age 59½ is a critical turning point and how rolling over TSP funds into an IRA can provide greater control, investment options, and tax planning strategies.
He highlights both the strengths of the TSP- like low fees, ...
When it comes to planning for retirement, we often obsess over dollars and cents. But what if the most valuable resource isn’t money at all, but your time? In this episode, Lee shares two compelling client stories that illustrate just how differently people approach time and wealth. One couple clung tightly to their growing nest egg, postponing their dreams until it was too late. Another took a leap of faith, prioritized experience...
In a world filled with so much uncertainty, it’s easy to feel overwhelmed by what you can’t control. Volatile markets, shifting tax laws, and political noise don’t seem to be going away anytime soon. But when it comes to retirement planning, there are things you can control, and they’re far more powerful than most people realize. In this episode, Lee walks through the four key areas retirees should focus on to build clarity, confid...
The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In this episode, Lee explores the deeper reality behind this rule change and why your withdrawal rate sh...
You’ve always been told to save for retirement, but can you go too far? Is it actually possible to over-save for the future? In this insightful episode, Lee answers a compelling listener question about what happens when saving becomes so aggressive that it starts to limit your lifestyle today. He dives into the emotional and practical downsides of over-saving, the dangers of comparing yourself to others, and how to strike a balance...
Graduation season isn’t just a time for caps, gowns, and celebrations, it’s a pivotal financial crossroads for many young adults stepping into independence. As they leave the classroom behind and enter the workforce, the financial decisions they make now can quietly shape the next 40 years of their lives. Today, Lee talks about why it’s so important for parents, grandparents, and mentors to help them lay a solid foundation, not jus...
The headlines are loud, the markets are messy, and your gut might be telling you to do something — anything — right now. If recent volatility has you feeling uneasy, you're not alone, but reacting the wrong way can cost you far more than a bumpy month in the markets. In this episode, Lee breaks down how tariffs and trade tensions are fueling market swings and what that really means for your retirement plans. He also shares practica...
Reinvention can be exciting, but is it risky when retirement is on the horizon? In this episode, Lee answers a question from a listener who wants to shift from corporate life to a new career in real estate at age 53, using IRA withdrawals to stay afloat during the transition. He also breaks down why early withdrawals can be financially dangerous and how commission-based careers may not offer the stability needed in this phase of li...
Many people approach retirement age asking the question, “Have I done enough?” It’s a common worry, but are they really focusing on the right things? Based on a survey of nearly 400 experienced advisors, Lee explores the gap between what clients fear and what he believes truly deserves their focus when planning for retirement. He unpacks why concerns like outliving your money and market crashes dominate our minds and the two key ...
March Madness is here, and just like filling out a bracket, picking individual stocks can feel like a thrilling gamble. But the odds of winning big are slim. In fact, history shows that most stock picks, like most brackets, end up busted.
Many investors can’t resist chasing big wins, even though diversification is a smarter play. One economist, Hendrik Bessembinder, analyzed the returns of nearly a century of stock performance. Let...
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