MoneyMattersUSA® with Fred Saide
Fred Saide discusses proper planning to and through retirement. His goal is to provide information on financial matters related to planning a successful retirement. Fred discusses everything from saving strategies pre-retirement to building income and realizing the proper growth and protection necessary in retirement.
Episodes
In Episode 226 of Money Matters USA, Fred Saide discusses the critical aspects of retirement planning, emphasizing the importance of early saving, understanding investment risks, and the future of social security. He highlights common mistakes people make, such as withdrawing from retirement accounts early and not accounting for inflation and healthcare costs. The conversation also covers the significance of asset location and tax ...
In Episode 225 of Money Matters USA, Fred Saide discusses the common issue of individuals overpaying on their taxes due to a lack of awareness of available opportunities. He emphasizes the importance of separating business and personal finances to maximize tax efficiency. Additionally, he highlights the significance of purposeful rebalancing in financial planning, stressing that rebalancing should be driven by clear goals and mutua...
In Episode 224 of Money Matters USA, Fred discusses the critical issue of longevity risk in retirement planning. He emphasizes the importance of understanding how long individuals may live and the financial implications of that longevity. The conversation covers the need for comprehensive planning, including strategies for long-term care and the outdated 4% rule for withdrawals. Fred stresses the necessity of preparing for po...
In Episode 223 of Money Matters US, Fred Saide emphasizes the importance of taking control of your financial decisions. He discusses how individuals should focus on making their money work for them according to their personal goals, rather than being influenced by external pressures. The discussion highlights the significance of financial security, the ability to sleep peacefully knowing your finances are in order, and the need to ...
In Episode 222 of Money Matters USA, Fred Saide discusses the complexities of retirement planning, emphasizing the importance of having a structured plan to alleviate fears of financial insecurity. He explores the shift from pensions to personal responsibility, the role of Social Security, and the necessity of considering longevity in retirement strategies. Saide also highlights the significance of risk management, long-term care, ...
In Episode 221 of Money Matters USA, Fred Saide discusses the importance of planning for longevity in retirement, emphasizing the 90 Plus Rule, which highlights the likelihood of living into one's 90s. He explores financial strategies to ensure that assets last throughout a potentially extended retirement, including the significance of working longer, understanding retirement expenses, and the necessity of long-term care planning. ...
Fred covers changes coming in 2026 that need to be considered in retirement planning. Changes include the extension of the 2017 tax rates, Medicare Part B projected cost hike, a higher estate tax exemption, the mandatory Roth catch-up rule, and a new, higher SALT deduction cap.
Reach Fred at 800-593-8188.
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In episode 219 of Money Matters USA, Fred Saide discusses the importance of preparing for unexpected life events in retirement, the rising costs of healthcare, and the looming crisis of long-term care. He emphasizes the need for contingency funds and realistic planning for healthcare expenses, particularly as longevity increases. The conversation also covers the impact of tax changes on retirement savings, specifically the implicat...
In Episode 218 of Money Matters USA, Fred Saide continues his comparisons of the phases of retirement to the classic vinyl 45 record. Fred flips the record over which covers the second half of retirement and explains how planning changes some during this period. He talks about the need to prepare and plan for healthcare costs and adjusting your risk. He also covers the need for proper estate planning.
Reach Fred a...
In Episode 217 of Money Matters USA, Fred discusses the early years of retirement, likening it to the 'A side' of a vinyl record. He emphasizes the importance of budgeting and planning for expenses during this phase, as many retirees tend to overspend on travel, hobbies, and home renovations. The conversation also highlights the necessity of tax strategies in retirement planning, as taxes remain a significant factor. Finally,...
In Episode 216 of Money Matters USA, Fred Saide discusses the complexities of retirement planning, emphasizing the need for flexibility and contingency plans. He highlights the importance of having multiple financial strategies to adapt to life's unexpected challenges, such as market downturns and personal life events like caregiving. The conversation underscores the emotional and financial toll of caregiving and the necessit...
In Episode 215 of Money Matters USA, Fred Saide discusses the evolution of estate planning, emphasizing its shift from merely addressing estate taxes to focusing on financial strategy and legacy planning. He highlights common mistakes people make, such as procrastination and outdated beneficiary designations, and explains the importance of trusts and comprehensive planning. The conversation also covers the implications of taxes in ...
In Episode 214, Fred discusses the importance of guaranteed income in retirement, challenging the traditional mindset of focusing solely on asset growth. He emphasizes the need for a strategic approach to retirement planning that includes understanding withdrawal rates, income replacement ratios, and the impact of longevity on financial needs. The conversation also covers tax strategies, particularly the benefits of Roth conversion...
In Episode 213 of Money Matters USA, Fred Saide delves into the complexities of gray divorce, particularly focusing on the financial implications for older couples. He discusses the rising trend of gray divorce, the importance of financial planning, and the necessity of prenups and postnups. The conversation also covers the impact of remarriage on social security and Medicare benefits, emphasizing the need for thorough planni...
In Episode 212, Fred Saide discusses the financial challenges and strategies for Generation X as they approach retirement. He emphasizes the importance of understanding the transition from accumulation to decumulation, the need for effective retirement income strategies, and the significance of planning for longevity and healthcare costs. Saide also highlights the necessity of having a coherent financial plan and the role of variou...
In Episode 11 of Money Matters USA, Fred Saide discusses the evolution of retirement planning over the past 30 years, emphasizing the need for adaptability in strategies due to changing market conditions, inflation, and tax implications. He highlights the importance of having a written plan and being flexible with withdrawal rates to ensure financial security in retirement.
Reach Fred at 800-593-8188.
In Episode 210, Fred Saide discusses the evolving landscape of annuities, particularly in the context of rising interest rates. He explains the benefits of modern annuities, including guaranteed income and long-term care features, while also addressing the importance of evaluating older annuity products. The conversation emphasizes the need for a comprehensive income plan and the potential risks and fees associated with annuities, ...
In Episode 209, Fred Saide discusses innovative strategies for protecting retirement income against inflation, the importance of diversification, and the critical role of Social Security and healthcare costs in retirement planning. He emphasizes the need for personalized financial strategies and the impact of government policies on inflation and retirement savings.
Reach Fred at 800-593-8188.
In Episode 208, Fred Saide covers innovative strategies for protecting retirement income against inflation, the importance of diversification, and the critical role of Social Security and healthcare costs in retirement planning. He emphasizes the need for personalized financial strategies and the impact of government policies on inflation and retirement savings.
Reach Fred at 800-593-8188.
In Episode 207, Fred Saide discusses common missteps in retirement planning, focusing on the importance of avoiding conservative spending, ensuring tax diversification, and proactively planning for long-term care. He emphasizes the need for a tailored approach to retirement planning that considers individual goals and circumstances.
Reach Fred at 800-593-8188.
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