Luke and Lake talk about the next generation gearing up for retirement. That’s Generation X and they’re in the financial red zone. The discuss that transition for accumulation to decumulation, how the generation should prepare for tax efficiency, healthcare costs, and the possibility of long- term-care. They also cover the “just right” retirement customized for you which includes consideration of what you will need to retire comfortably, your Social Security sweet spot, and how to control spending in that first year of retirement.

Reach Duell Financial Strategies at 800-203-7486.

Duell Financial Strategies

www.duellstrategies.com

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Sam and Luke go back thirty years to show how some of the tried and true retirement standards from 1995 don’t exactly hold up in 2025. They cover the difference in tax and interest rates and a how a different approach may be needed with the four percent rule. They also do a comparison of Roth versus traditional savings.

Reach Duell Financial Strategies at 800-203-7486.

Duell Financial Strategies

www.duellstrategies.com

See omnystudio.com/listener for privacy information.

Sam, Andi, and Luke offer the opportunity to look at your annuity and consider possible opportunities with higher interest rates. They also cover some bells and whistles that exist now with modern annuities. The conversation shifts to proactive tax strategies in light of the tax burden that could be faced by those with tax-deferred savings. They also discuss five questions asked in a Kiplinger retirement survey.

Reach Duell Financial Strategies at 800-203-7486.

Duell Financial Strategies

www.duellstrategies.com

See omnystudio.com/listener for privacy information.

Sam, Andi, and Luke caution against retirement ready assumptions that may not be accurate. They advise of out-of-pocket healthcare costs even with Medicare. They also explore whether or not your 401(k) is enough, and they look at how your expenses could be in retirement. They also discuss forward looking retirement tax strategies and making sure to have a contingency plan in place in the event of early retirement.

Reach Duell Financial Strategies at 800-203-7486.

Duell Financial Strategies

www.duellstrategies.com

See omnystudio.com/listener for privacy information.

Sam, Andi, and Luke cover what is necessary to help people determine what they need to retire. They break down the difference between confidence and preparedness and stress the importance of acting now to implement a plan to combat healthcare and possible long term care cost. They also discuss some common retirement missteps to avoid.

Reach Duell Financial Strategies at 800-203-7486.

Duell Financial Strategies

www.duellstrategies.com

See omnystudio.com/listener for privacy information.

This conversation emphasizes the critical importance of intentional retirement planning, highlighting the need for a clear vision, effective income distribution strategies, and awareness of tax implications. Andi and Luke discuss the challenges retirees face, including healthcare costs, inflation, and the psychological shift from saving to spending. The conversation also addresses asset protection in the event of divorce and the necessity of regular reviews of retirement plans to adapt to changing circumstances.

Reach Duell Financial Strategies at 800-203-7486.

Duell Financial Strategies

www.duellstrategies.com

See omnystudio.com/listener for privacy information.

This conversation explores the critical financial decisions surrounding saving and investing, particularly as individuals approach retirement. The discussion emphasizes the importance of understanding the differences between saving and investing, the necessity of diversification in investment strategies, and the significance of planning for a financially secure retirement. Sam and Andi also delve into the concept of phased retirement, which allows individuals to gradually transition into retirement while maintaining income streams. Listener questions further highlight the need for personalized financial strategies tailored to individual circumstances.

Reach Duell Financial Strategies at 800-203-7486.

Duell Financial Strategies

www.duellstrategies.com

See omnystudio.com/listener for privacy information.

Andi and Luke cover the true meaning of financial independence in retirement and strategies to make sure this can be achieved. They also explore a Vanguard “How American Saves” report in revealing some of the surprising results and they look at important pre-retirement considerations for those in their fifties.

Reach Duell Financial Strategies at 800-203-7486.

Duell Financial Strategies

www.duellstrategeies.com

See omnystudio.com/listener for privacy information.